<prompt> Human: I live in Australia and have never heard of a credit score. There are never ads on TV about credit checks, improving your score, anything to do with the business of credit.When I was younger I took out a 10,000 personal loan to buy a car. Just walked in and got it. Ive had a bunch of credit cards, and also have a mortgage for over 400,000. My financial position has always been pretty stable, hence why Ive never had much trouble with this stuff.But there seems to be zero discussion and business of credit, building good credit, etc. I realise they are obviously doing something, and not just giving out thousands in money to any random. I guess it exists behind the scenes? What is Australia doing differently?  <response>: Because Australia only reports negative marks to credit, not anything positive, such as on-time payment history.Therefore, having nothing on your record in AUS is a good thing, while in the US having a blank record is a bad thing. 