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It only works if you didn't give them your name and address. At least in Europe some debt collection agencies will track you down and charge an enormous fee, an

• wickedsickeune 6y ago
  There's a "credit score" in Europe???
  • t_von_doom 6y ago
    From the UK here: Yes we all have a credit score - it's mainly used to measure your ability to borrow and repay debt and will influence whether a company loans to you and the interest rate on said loan. It's not (yet) as aggressive as the social scoring system in China if that is what you were alluding to... Do you not have a similar system where you are from? How would the above be decided for you?
    • gspr 6y ago
      Well, is it a score based on your current economic situation, or your past use of credit? Here in Norway you're evaluated/scored based on some metrics like income, job security, job prospects, education, assets, debt, defaulted debt in the past, fixed expenses, etc. I think when Americans talk about "credit score" they talk about something completely different, namely their insane system where your score is (positively) affected by taking on and managing credit card debt. In that fucked up world, two debt-free people with the same income will be "scored" differently if one of them happens to use a CC to buy all his groceries and pays off the card each month, and the other buys the same groceries on debit. Surely you don't have that insanity in the UK, do you?
    • bjohnson225 6y ago
      There's not a universal credit score in the UK. There are a bunch of providers who will try and sell a score to you, but the actual score can vary greatly from provider to provider and guarantees nothing in terms of getting accepted for credit. Banks giving out loans will look at the data behind the score along with a bunch of other factors. It's very possible that if Experian say person A is average and person B is good, a bank may decide to give Person A a better rate on a loan based on different data, or different weighting of the data.
    • curiousgal 6y ago
      > It's not (yet) as aggressive as the social scoring system in China if that is what you were alluding to... LMAO talk about bias! If anything he's describing the the credit scoring system implemented in the U.S. ...
  • estaseuropano 6y ago
    In the UK maybe, not most countries. There are some corporate databases that consumers eill mever hear about, but certainly nothing even close to US credit scores.
• rogual 6y ago
  Happened to me. Cancelled Sky Broadband, CS reps wouldn't acknowledge it. Got sick of the back-and-forth. Sky don't just make you wait on hold for 30 mins, they play ads at you while you wait. Fuck that. Stopped the direct debit. Debt collectors got in touch years later asking for £50. I said, "fine, send me a copy of whatever bill I supposedly didn't pay." They didn't have it. "We don't have any documentation, just pay us." Escalated to a complaint and they dropped it. I'd do the same again, but could totally understand why some people wouldn't. YMMV.
  • davemtl 6y ago
    When I left the UK 11+ years ago, I cancelled Sky, or so I thought. 6 months go by in another country, all my mail was redirected to my parents address in case I missed something. My parents got angry letters from Sky demanding payment, but I had already settled this before I left the country. Well, turns out they cancelled my TV subscription but was still charging me for Sky+ (ability to record). I'm not sure why it wasn't cancelled at the same time, surely when I told them I was moving to a different country as to the reason I was cancelling, I wouldn't need the Sky+ feature.
• dominotw 6y ago
  > It only works if you didn't give them your name and address how can that leave you with bad credit score if you never gave them your social security ( or equivalent) ?
• tobyhinloopen 6y ago
  Credit score? Europe? What part of Europe has credit scores? Also you can’t just send an collections agency with huge fees, there’s laws against that. At least in the Netherlands