Lol, I'm joining , 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.
RE: Cleaning Up My Credit Report, One Mistake at a Time