Your last point about moving from another country to one where you don't have established credit is interesting. If there's a service where you can verify credit cross-borders, I think there might be something there.

Credit scores are great but the real problem is not the score itself. It's about knowing how likely the person is who they are claiming to be and how likely will they pay their bills on time - we use it as a proxy to score the quality of the customer. If there are alternative data points that can tell us the difference between a good customer and a bad customer, we would use it.