[bcg1]

In the US, the main number that everyone is concerned with is the FICO score, and the algorithm is a secret. Most lenders do not generate their own measures of creditworthiness but rather just use FICO

Also even if you don't want to borrow money here is a list of things in the US that are increasingly based off of FICO:

1) car insurance 2) employment 3) wireless phone contracts 4) copper phone lines

I'm sure there are more... but you get the point I hope