Sweden also has something that the US doesn't have - open tax records. A creditor can look up exactly how much money a potential debtor made last year (according to their filed taxes)
edit: also, at one point my credit report in Sweden actually DID show my credit card utilization. Never seen it since so maybe the regulations around it got tighter? Example: https://i.imgur.com/NGi86DJ.png
edit: also, at one point my credit report in Sweden actually DID show my credit card utilization. Never seen it since so maybe the regulations around it got tighter? Example: https://i.imgur.com/NGi86DJ.png