It's hard. It sounds insane. Forget about a made up Chinese social credit score.
Me: one job, please.
Employer: no can do buckaroo, you forgot to pay a bill fifteen years ago and it went to collection
which foreigners exactly? Many if not most countries use credit scoring
Most use a very different kind to the USA though. Most hurt credit only if you don't pay back a debt or otherwise get into financial issues.
In the US, you have to actually get into debt to get good credit, which is so horrible that when I first came across the notion I wanted to carpet nuke the USA before the contagion spread. (There was a corrupt and politically motivated attempt to get Australia to adopt the US system in the 2010s, which bounced hard, although recently some lesser "positive credit" laws have come in, also pushed by US credit agencies.)
My life might be a roiling mess but I'm proud that I don't have a credit history so my score is either 0 or n/a, I don't know how that works. And if I did I'd just use it to scam loans anyway.
Hang on. Are credit scores not a universal thing? Do banks not rate people's perceived loan risk in other countries?
