You conclude that most EU countries have a credit score by linking to a Wikipedia article showing that almost none European country has a credit score?
In the US we have positive credit score meaning you have to show you are a good lender to get a better score.
The european ones are mostly much less granular.
The Wikipedia article does not show that almost no European country has a credit score or credit reporting system. It simply provides examples from various countries and is obviously not exhaustive, like most lists in Wikipedia.
If you want to just see how many EU countries have any credit registries, these World Bank links have good data:
- Public registries: https://data.worldbank.org/indicator/IC.CRD.PUBL.ZS
- Private registries: https://data.worldbank.org/indicator/IC.CRD.PRVT.ZS
They show most EU countries have such registries. I did go through a dozen countries manually before finding the above handy links, though...
Of course one could argue whether or not those systems which only allow negative entries (and thus most people will have no data there) for a credit check should be considered credit score systems.