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.)
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.)