Comprehensive
Positive and negative agreements on file — Germany SCHUFA, Dutch BKR, Italy’s private + public mix, UK CRA trio.
credit-ratings.graphai.eu
Private bureaus and public registers, country by country.
Complex money and mobility data, spoken clearly — here, ACCIS members next to central credit registers.
Mostly negative
France FICP and Spain ASNEF / Experian concentrate on incidents, defaults, and delinquencies.
GDPR floor
One data-protection law, many registers. Scores and scales are national; access rights are European.