Err, Europe has credit bureaus too: http://aei.pitt.edu/33375/1/ACCIS-Survey_FinalReport_withCover.pdf http://aei.pitt.edu/33375/1/ACCIS-Survey_FinalReport_wit

Err, Europe has credit bureaus too: http://aei.pitt.edu/33375/1/ACCIS-Survey_FinalReport_withCover.pdf http://aei.pitt.edu/33375/1/ACCIS-Survey_FinalReport_withCov... Jump to page 31 to see what is stored by the bureaus in each country.