That isn't social credit. Social credit would be when you're turned down for a bank loan because the NSA scans your Facebook profile and scores you as a possible political dissident because you liked too many anti-Trump memes. But that isn't happening in "the west" (yet.) No one is being blacklisted across the "the west" from housing or employment because of wrong-think. At least not systemically.
What you seem to be describing is simply society, and the fact that speech in a free society can have social consequences.
In terms of end result for the individual, what difference does it make if an internet mob blacklists you from employment for thoughtcrime or if a government bureaucracy does it?
What you seem to be describing is simply society, and the fact that speech in a free society can have social consequences.