this post was submitted on 23 Oct 2023
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We have an equivalent system in Germany called Schufa, but you start at close to 100% reliability and only lose points when you seriously fuck up on paying back specific debts. The points do naturally regenerate with time, so you seriously need to lose control of your life to have a bad score long-term.
But sadly, still a secret algorithm. But from what I heard, the DSgVO might help uncover it.