How Creditworthiness is calculated

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I'm just curious,

I read that in case of Poland if someone not paying fines e.g for speeding or, penalty ticket for drinking in public places, not vaccinating kids etc. It's lower creditworthiness even if someone paying all other obligations, if someone pays on time, financial liabilities in relation to business entities, such as phone bills, financial commitments with regard to contractors. I wonder though that State is not a business entity, so you probably should not be taken when calculating creditworthiness

Creditworthiness is often determined by lenders using an index called a credit score.

I remember one very hysterical person who came on WP a while back. She was projected her own neurosis on her brother in law, who was on the spectrum. Her husband mostly did nothing, other than mentioning he resented being told to turn down his Beatle's records as a child (or something like that).

She was obsessed with the idea that he didn't have a credit card. However this guy was lucky enough to get trough middle age without needing one. She was determined to take everything stable he had such as his house (which she insisted he sell), his belonging, interests, etc.

She assumed that something catastrophic would happen if he didn't have a credit rating, despite not being a problem for most of his life (and the fact it was none of her business).

I don't use a credit card either, I don't get into debt if I can help it. I get offers weekly, I ignore them. I have a large overdraft but rarely use it. I never asked for an extension.

The reality is they don't care if you can pay thing back, simply that it is salable to a recovery agency.

There is no such thing as 'personal credit' it is personal debt. Take that attitude I say. There is business credit.