4 ms·

Would I be right in saying this is an American phenomenon?, or is it used worldwide ?

• paulnelligan 15y ago
  That's an actual question, not a rhetorical one, thanks for the upvotes, but does anyone know the answer to my question ?
  • philjr 15y ago
    This is very American. That's not to say that other countries don't have some of this information, but from my experience to a lesser extent. There's a lot of transparency in a lot of contracts / arrangements. A lot of information ends up on public record. Buy a house, get married, poor credit rating etc. Most of this information is accessible in some form and these companies are simply aggregating it. This information is generally much more difficult to collect in other countries (with my own personal experience being in a few European countries), if it's even accessible at all. I'm sure there's exceptions but this does seem like a very American problem.