In at least 40 other countries — including Belgium, France, Germany, Italy and Spain — credit reporting can be done by a public credit registry. This is not tr

In at least 40 other countries — including Belgium, France, Germany, Italy and Spain — credit reporting can be done by a public credit registry. This is not true for Germany. https://en.wikipedia.org/wiki/Schufa https://en.wikipedia.org/wiki/Schufa