UK credit score system don't even have "nationality" in it so not discriminating non-citizens that much. Neither it hold any ID card or passport numbers.
Yeah there is electoral roll, but you can still access credit without being on it and afaik all residents of scotland are on it since even non citizens can vote in local election.
And unlike US there not even a "score" number since lenders only get records but not some magical number. Whatever credit agencies sell you as credit score is just random number they come up with and it's not being used by lenders btw.
Yeah there is electoral roll, but you can still access credit without being on it and afaik all residents of scotland are on it since even non citizens can vote in local election.
And unlike US there not even a "score" number since lenders only get records but not some magical number. Whatever credit agencies sell you as credit score is just random number they come up with and it's not being used by lenders btw.