> They only record debts that last longer than 3 months and of those delete all record of them after 5 years after being paid off That's the same as the US, e

> They only record debts that last longer than 3 months and of those delete all record of them after 5 years after being paid off That's the same as the US, except that here they expire after 7 years instead of five. > Mortgage interest rates are currently 1-2 points less in The Netherlands than they are in the USA, so there's no correlation I can see between America's vampire capitalism credit model and cheaper loans. That's a rather meaningless way to look at it, because there are a myriad of factors that affect aggregate mortgage rates, and credit ratings are just a tiny piece of it. It's like saying "Well, they keep tell me that the world is getting warmer, but it's still pretty cold in my neighborhood".