> In Europe, you as a private person just don't know it and don't have access to your own rating. But you are likely to be rated anyways..
In the E.U., there are no private organisations who can process your personal data without making it available to you on request.
In Ireland, there's a state-run Central Credit Register, to which lenders must submit any consumer credit agreement above €200, and which they must check by law before issuing credit. Anyone can apply online to get their credit history from the CCR, and make submissions to correct inaccuracies.
There's also the Irish Credit Bureau, a private organisation with a similar purpose. They are also required to reveal data held about you on request, and correct inaccurate data held.
The thing you can request once per year from annualcreditreport is your credit report, which doesn't include your score. Your score is accessible for free from websites like creditkarma or through most credit card online accounts, usually once a month although I have seen ones which update twice a month.
In the E.U., there are no private organisations who can process your personal data without making it available to you on request.
In Ireland, there's a state-run Central Credit Register, to which lenders must submit any consumer credit agreement above €200, and which they must check by law before issuing credit. Anyone can apply online to get their credit history from the CCR, and make submissions to correct inaccuracies.
There's also the Irish Credit Bureau, a private organisation with a similar purpose. They are also required to reveal data held about you on request, and correct inaccurate data held.