> You conclude that most EU countries have a credit score by linking to a Wikipedia article showing that almost none European country has a credit score?
The Wikipedia article does not show that almost no European country has a credit score or credit reporting system. It simply provides examples from various countries and is obviously not exhaustive, like most lists in Wikipedia.
If you want to just see how many EU countries have any credit registries, these World Bank links have good data:
They show most EU countries have such registries. I did go through a dozen countries manually before finding the above handy links, though...
Of course one could argue whether or not those systems which only allow negative entries (and thus most people will have no data there) for a credit check should be considered credit score systems.
Credit registry =/= credit score system. You are moving the goal post here. Your previous assertion is just false. the US system is brutal, unfair and shouldn't be reproduced anywhere else in the world at first place.
The Wikipedia article does not show that almost no European country has a credit score or credit reporting system. It simply provides examples from various countries and is obviously not exhaustive, like most lists in Wikipedia.
If you want to just see how many EU countries have any credit registries, these World Bank links have good data:
- Public registries: https://data.worldbank.org/indicator/IC.CRD.PUBL.ZS
- Private registries: https://data.worldbank.org/indicator/IC.CRD.PRVT.ZS
They show most EU countries have such registries. I did go through a dozen countries manually before finding the above handy links, though...
Of course one could argue whether or not those systems which only allow negative entries (and thus most people will have no data there) for a credit check should be considered credit score systems.