Is it true that one reason the US has such a strong credit score system is the lack of reliable data on who people are? In the UK we have credit scores, but th

Is it true that one reason the US has such a strong credit score system is the lack of reliable data on who people are? In the UK we have credit scores, but they're pretty irrelevant. What matters here is being able to show who you are (a matter of looking you up on things like voter lists) and you never having been taken to court for your debts (County Court Judgements). In fairness we also have a lot less unsecured debt and a much more punitive bankruptcy system...