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I can't speak for anywhere else but credit scores are more or less bullshit in Australia.
As in, of course if you have outstanding bills or a legal claim against you no one gonna lend you money. You don't need a score to tell you that.
Similarly, if you've got enough money for repayments banks want to lend you money.
Anything in-between is about specific problems. An unpaid bill, not enough income, whatever.
The actual credit score isn't important. It's more like marketing - get a credit card to improve your score.
Also in Australia, no idea what my credit score is. I admit I am unusually lucky, tho. Have only had one loan in my life, with which I bought my first real car over a decade ago.
All I'm hearing as an American, is that Australia is a good place to retire.
We have our own problems, but we're mostly chill over here.