where is here, the US you mean? but the way I understand it, those credit score agencies are private, and their info is much more granular. e.g. it would never

where is here, the US you mean? but the way I understand it, those credit score agencies are private, and their info is much more granular. e.g. it would never matter in CH and pretty much all of Europe, how much you already spent and payed off on credit in the past.