> But a government agency that has all the info about all my accounts... I'm quite happy with the approach that Switzerland has taken. Firstly, there are no cr

> But a government agency that has all the info about all my accounts... I'm quite happy with the approach that Switzerland has taken. Firstly, there are no credit scores or credit reports. Instead, there is a well-defined and regulated way to collect on overdue bills: The creditor requests debt collection from the state debt collection agency. At this point, collectees may decide to pay, to object to the prosecution or not to react. Objecting leads to a defined legal process where the creditor must prove the debt, and the collectee can defend themselves. In case of no reaction, authorities may proceed to seize assets. As for the reporting, the debt collection agency will only keep a file on people against whom a collection request has been filed, and only make it available to the person in question and entities with a qualified interest in it. In practice this means that when renting a flat or getting credit, you request your own (empty) record and submit it to the landlord/bank in question. The agency is also responsible to expunge entries from that record after a defined time. And since responsibility for collection lies with a state agency, there's very little risk of the kind of harrassment you hear of in horror stories from the states. The implementation has room for improvement: records are kept locally, tied to the state you live in and there's no immediate way to get online confirmation. Those are details though, that could be fixed in a clean implementation of the same system.