[mortenlarsen]

Yes. But we don't have the stupid gaming aspect where people take on debt that they don't need in order to "build a credit" score.

It is only a proof of income, outstanding debts (that you are required to reveal), and the hopefully lack of past non-payments that count. You can't "build your" score buy using a bunch of credit cards and paying every month.

I live in Europe, and do not have a credit-card (only debit) have no need for credit, since I do not spend money that I do not have.

If I was in the US, I would probably have a credit card to "build my credit".

It is like if I asked my neighbor to lend me money every month and pay them back a second later to build their trust. It is just a stupid game, with no real meaning.

[leetcrew]

there is a performative aspect to "credit building", but it's not all a meaningless game. the fact that someone has access to a $5k credit line and doesn't go crazy with it is a positive signal itself.