I know from experience that both Norway and Sweden have credit score systems. It’s an expedient way to formalize a single important aspect of reputation, so tha

I know from experience that both Norway and Sweden have credit score systems. It’s an expedient way to formalize a single important aspect of reputation, so that people who are careful to service their debts can borrow on favorable terms. It’s the least painful way of enforcing some personal responsibility for debts taken for personal benefit, and because medical treatment is socialized and the government looks after the poor, nobody should ever be faced with the need to borrow to continue living. Credit scores in the US are much more sinister, in that respect, representing a measure of not only fastidiousness but also desperation.