[miken123]

> A country like the Netherlands has its own issues (mainly housing) but doesn't have the myriad of pain points you can find in Germany like Schufa

In the Netherlands we have BKR, which is less all-encompassing than SCHUFA, but also needed to be fined before giving proper right to access under the GDPR: https://edpb.europa.eu/news/national-news/2020/national-cred...