Comment by MaxBarraclough

Interesting. A quick perusal online and it seems they get by with bank statements/pay slips/tax documents to show that you're on the level. https://www.quora.com/Is-it-true-that-theres-no-credit-score...

I'm surprised that works at all. I wonder if it's quantitatively less 'effective'. (A quick Google didn't turn up much on that question.)