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Many countries do not have a credit score system like the united states Here's a look at what countries have credit scores and how they work, to give you a little perspective on the american approach. Here's how other countries measure a person's creditworthiness.

A viral post claiming the u.s Americans only invented credit scores in the late 1980s, and other countries have credit scores that work very differently Is the only country with a credit score system has it wrong

Many other countries use credit scores of some kind.

In the us, a credit score aims to predict your likelihood to meeting financial obligations, like paying back a loan Having a poor credit score can make it life more expensive If you decide to move to another country, you'll likely need to build a new credit score Your credit score in the u.s., for example, probably won't affect your score when establishing credit in germany

In summary in short, many other countries have credit scores Some are similar to the u.s Model, while others are unique. Not all countries use credit scores to assess a debtor's creditworthiness

Japan, the netherlands, and spain rely on factors like one's income, repayment history, and length of employment to determine creditworthiness

Some countries hardly set up credit scoring systems or agencies to score debtors For example, in the netherlands, good credit means the debtor hasn't been blacklisted due. Credit scores were developed to fairly and accurately gauge a borrower's ability to borrow and pay money back And unlike some countries that only pay attention to negative marks, the u.s

Also gives you credit for doing the right things, like paying bills on time. The concept of a credit score is widely understood in the united states as a numerical representation of an individual's creditworthiness This score, typically ranging from 300 to 850, influences access to loans, credit cards, and even housing However, the american system is not universal

Across the globe, countries employ diverse methods to assess an individual's ability and.

Research whether the country of interest has its own credit bureau (s) similar to the three we have in u.s Credit bureaus compile your financial information and use exclusive metrics to calculate your credit score (we use the fico score in the majority of lending decisions here in the u.s.) Aside from the united states, countries that use credit scores include canada, germany, australia, china and the united kingdom However, keep in mind that each credit system works a little differently so your credit score doesn't apply internationally.

However, our credit scoring system is a pretty arbitrary way to assess borrower risk

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