[listenallyall]

> we do not have a score

of course you have a score, it's just implied rather than explicit. how many missed payments? how much were those missed payments? that's the score.

> an implicit trust in your declarations

...but we still look you up in the central database ;-) sure, we trust you

[BrandoElFollito]

OK, let's put it another way then.

Whenever there is a hack there is panic in the US about credits and credit scores. You are provided a "monitoring" for a year in case things south (and hopefully a way to recover).

You hear about what to do to have/keep a credit score in the US.

So this is something important.

These considerations do not exist in Europe, nobody ever discusses this. It means there is a fundamental difference about how credits are apprised in Europe and the US.

I do not even mention the fact that we virtually do not have credit cards. That is cards where there is a minimum amount to pay back and the rest is credited.

So this is really different.