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this sounds like a totally insane system. what if you're just out of uni and have a student loan for example. does that mean your chances of renting a place to live are hindered? Also when a 3rd party checks what your score is, do they see just the number or do they see anything else. Like, can...

could someone explain to me what a credit score is and how it's calculated? here in socialist EU if I want to lease a car for example, all I have to do it give the bank my income info for the past 12 months and that's it.