What is your ESG/Social credit score Loans interest rates used to be related to the ability to repay the loan. This is no longer the only criteria for many corporate loans. Financial institutions are now adjusting credit interest rates based on so called ESG considerations. ESG is essentially a social credit score. Rates for many corporate loans are based on whether the company meets certain set targets regarding minorities, women, carbon use, etc. It is a matter of time before this is applied to all of us as we apply for credit. How much carbon do we use or consume will be one of the questions we will have to answer when we apply for a loan. I see that you drive Ford Heavy Duty pick up! You have a boat! You travelled by plane 8 times last year! You own shares in O&G companies! You are a bad boy, sorry person are you...