For all those that live outside the USA. Can you please explain to me how YOUR "Credit System" works? I was told that there is NO such thing a "Credit Reporting Bureaus"?! I was also told that Interest Rates on loans (Cars, Credit Cards, Mortgages, etc) are NOT based the same way as in the USA?! Please enlighten me... Lets say I live in London - Whats the process like to buy a car? If I live in Sweden, How is the credit process to buy a home? Thanks for your time.