

Also worth mentioning: what’s the alternative?
If there are no credit scores but there are still loans, the banks / entities making the loans have no real way to know if their loan is going to be paid back. Because of that, the loans are a lot more risky. What happens when a loan is riskier? The interest rate is higher, or people are just outright rejected.








It sounds like they lost you in 3 months, not immediately.