In the US, consumers can freeze their credit worthiness records and receive a code. When the records are frozen, the only orgs that can access the records are those already doing business with the consumer. If a consumer wants to open up a new account, they share the code with the prospective creditor who uses it to see the credit report.
So the question is, how are access controls on credit histories done in various EU nations? Do any use unlock codes like the US, or is it all trust based?
Over here it’s not necessary for a person to restrict access because access to the credit records is restricted to banks, allowed only when a bank is asked by you explicitly for a credit, and all loans must be done only by banks. So it’s basically impossible for anybody to access it outside very specific circumstances initiated by you.