@noel, the banks own this country so credit is a big deal. It's not a bad thing though cause they're doing a great job running the place. How will a bank know who to loan to and how much if you don't have credit scores?
A credit score is a number you're given based on your financial behavior that lets people that give loans know you're going to give them back their fucking money. If you have credit cards and trick it off on lawn fertilizer and wives from the philippines you'll have a low score. If you borrow reasonably and make payments on time you'll have a higher score. That's the general way they do it. There's also some cummy things they throw in there but those are details, like giving points based on zipcode etc.
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