Most countries don't have credit scores at all. There's typically a single public entity that holds insolvency records within the legal framework. In some coun

Most countries don't have credit scores at all. There's typically a single public entity that holds insolvency records within the legal framework. In some countries nobody can query it but yourself; you're therefore asked to submit a copy of your record in some occasions. As for solvency, when you sign a lease or contract a mortgage, you're asked to submit proof of income. (Someone mentioned Germany earlier, it's a terrible example in my opinion, Schufa isn't much different than the US credit agencies, albeit more accountable hopefully).