

It’s reasonably common in the developed world. And it’s a good idea that lenders be able to easily know how responsible borrowers are with repayment. That the US’ implementation of credit scores is problematic in some areas shouldn’t be used as a blanket dismissal of a credit scoring system.
This is technically true but extremely deceptive if you don’t know the history. From “Creditworthy: A History of Consumer Surveillance and Financial Identity in America” (Lauer, 2017; Columbia University Press):
Chapter 3: “By the late 1890s systems for evaluating the credit risk of individual consumers existed in metropolitan centers throughout the United States.”
Chapter 4: “During the early twentieth century millions of Americans came under the watchful gaze of newly formed credit bureaus. But these bureaus were only one arm of the emergent consumer credit apparatus. Their counterpart was the credit department of individual stores, where credit managers interviewed, documented, and tracked customers for their own benefit and that of the local bureau.”
Credit reporting has existed for a very long time in the US. So while a computerized score wasn’t there until the late 1950s (basically as soon as such a computerized score could exist, underscoring how eager banks were to implement it), your comment being technically true has no real impact on the argument of the merits of credit scoring.