Have you ever wondered what life would look like if your credit score didn’t exist? Licensed Insolvency Trustees Doug Hoyes and Ted Michalos compare Canada’s score-driven system with France’s radically different, no-score approach.
You’ll learn:
- How France decides who can borrow—without a three-digit score.
- The cultural attitudes that shape lending and spending in France and Canada
- Why credit-report errors and identity theft are bigger issues than most Canadians realize.
- Whether Canada could (or should) adopt parts of France’s model—and what you can do right now to work the system in your favour.
(00:00) Intro – How Canada Tracks Credit with TransUnion & Equifax
(04:45) France’s “No-Score” System: How Trustworthiness Is Judged
(07:10) Lending Culture in France: Relationships Over Ratings
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