Lol, I'm joining @anderssinho, we don't have a credit score as my county doesn't have that credit culture. People try to stay credit free as much as possible and only apply for a credit if it's a must, mostly to buy a property or a car. But we don't collect them.

Banks and financial institutions offering loans most likely have a credit score system, based on which you are evaluated but that's not publicly known, it's an internal system for them.

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