In America we call this a credit score: a black box system that nobody, not even the credit agencies, can describe or understand. Obligatory dhh/Apple Card Twitter thread on this subject - https://twitter.com/dhh/status/1192540900393705474
Yup, for the longest time I've maintained we entered a cyberpunk society when credit scores were introduced. An absolutely soulless abomination of a system designed to treat you as a number and not as a human.