It’s funny because in South America, at least countries I know, we don’t have to deal with credit score like we do in Canada. Pretty much everyone has access to credit and most banks just have their own credit system that works better than Equifax. In Brazil there’s Experian doing something similar but banks don’t blindly rely on it and most people don’t even know or care this system exists.

There’s no “spend about 30% of your credit” bullshit. Want a credit card? Here’s one. Want to spend all of it? Go ahead, just pay for it on time. No adults waste time tracking or worrying about credit scores, unless you reach real bankruptcy.