It's not like the US system. It's a negative credit score meaning that you start as a good lender and then you can only fuck it up by not paying your bills. In

It's not like the US system. It's a negative credit score meaning that you start as a good lender and then you can only fuck it up by not paying your bills. In the US we have positive credit score meaning you have to show you are a good lender to get a better score. The european ones are mostly much less granular.