I mean, yes? Credit scores are forbidden in many countries because of how opaque they are and because of the data collection aspect. In a lot of countries, the

I mean, yes? Credit scores are forbidden in many countries because of how opaque they are and because of the data collection aspect. In a lot of countries, the only external thing the bank is allowed to use when you apply for a loan is whether or not you have existing loans (which is just to prevent you from borrowing money to pay off other borrowed money), the amount of money you make annually and what you currently have saved up.