sadpasture

I think it has to do with text being much more precise. Your stably diffused cartoon avatar having 6 finger is not nearly as noticeable as a language model's chat mispelling every second word. So you need less resources to get to a human acceptable result

Doesn't sound very Free to me...

Standard practice in Germany, although the credit system here is a bit better than the US since it works by "demerits" rather than "building credit". Meaning you start out high, and only lose credit if you fail to make payments on a loan.

Also I think landlords can only see a high level summary and final score, not the details of your financial situation.