In many countries, mine included, there’s no credit score system. We recently took out a bigger loan to buy a house and what we had to provide was:

• proof of a steady income (in our case from our employer)
• 3 months of bank account history (to prove that we don’t overspend)
• written permission that they can request our data from the central (government operated) loan database

That’s it. From these they could tell that we are safe to loan money to because we’ll most likely be able to pay it back.

I don’t see how a credit score system is essential when you can provide them with the necessary data only when it’s needed.