3 ms·

Sounds like you're describing a credit score :-)

• Ekaros 5y ago
  Credit score to my understanding is some magic number that can be effect by things like someone querying it... Which seems quite weird and opaque... But in sense component of negative credit score is a thing. And I don't think it should go any further...
• benhurmarcel 5y ago
  No because in other countries, never having taken debt won’t make any difference compared to having repaid all your past debt.