> We don't have "a credit score" in the US either. We have a credit history, much like you describe. Not exactly. There are MANY credit scores in the US and se

> We don't have "a credit score" in the US either. We have a credit history, much like you describe. Not exactly. There are MANY credit scores in the US and several credit agencies. Different score calculations occur for different purposes, mortgages, credit card, automobile, and so forth. Plus there are different versions of each credit score's model. Each credit reporting agency keeps a separate credit file per person. Each person's credit file contains credit histories from various creditors. Not all creditors report to all credit reporting agencies. Not all credit reporting agencies receive the same information from a creditor, even when receiving information. The score for a particular person may differ between different credit reporting agencies, credit scoring models, or any of various other factors.