In the West -- at least in Western Germany -- the credit score is not your ability to pay. It is, how the score company things, how likely you will pay. I kno

In the West -- at least in Western Germany -- the credit score is not your ability to pay. It is, how the score company things, how likely you will pay. I know, that for example, there street you live in is one factor used in your credit score. When you seldom have credits or the score company has to limited data about you, such information can be decisive. There are known cases in Germany, where well off people, who also regularly pay their bills got a bad score, just because the score company used some very limited data and statistical guesswork to simply guess a score.