Companies spend money on advertising because it works. Edit: Realized after you asked about credit score. A credit score is quite different than what China's r

Companies spend money on advertising because it works. Edit: Realized after you asked about credit score. A credit score is quite different than what China's rating system is all about from my understanding. Being dependable on repaying money or paying money you've promised to pay is a very specific rating that aligns with a person's accountability and/or ability to predict and manage their situation.