In many European countries, credit bureaus only report negative credit history. Most people have empty reports, which is the best possible result. Lenders may a

In many European countries, credit bureaus only report negative credit history. Most people have empty reports, which is the best possible result. Lenders may ask aggregate statistics about other debt (total debt €X, total payments €Y/month) directly from the person, but they have no right to more detailed reports. Also, it's my impression that people in the US often overestimate the importance of the credit score, as opposed to the detailed credit report. Major lenders tend to use private scoring systems anyway. Far too many people know how credit scores work and how to game the system, making public credit scores less useful than secret scoring systems.