> In my country there are agencies that track, for example, the fact that you had a debt collector called on you That's pretty much how US credit agencies work

> In my country there are agencies that track, for example, the fact that you had a debt collector called on you That's pretty much how US credit agencies work. How does your system differentiate between someone who pays their debts on time and someone who has never had a debt? In the US, the credit reporting agencies fulfill that role by receiving record of debt repayment from financial institutions.