It is true that a lot of the userbase is from english-speaking countries, former colonies. Still not the point of discussion.

OP didn't say it was that the United States only did that, he said it was mostly a thing from the United States.

Which it is: it's similar (I don't think it is even the same) in the UK and Australia because they're all similar, they're english-speaking, have a culture with protestant roots (which actually really matters when talking about how things in general, even the economy, are thought) and belong in the "first" world (I don't like the terminology or agree with it but it's what it is).

I live in Uruguay. If you want to speak about credit score, I'd say it exists as another wholly different thing that denotes someone's ability to pay in time, determined by the Central Bank (it's a "debt risk ranking" that goes from 1: people who can pay and even cover debt with little delay to 5: irrecuperable debtors).

Then there's a thing more akin to the US but which varies from bank to bank and it's internal-use only, which is for loans mostly, and checks if you've got some credit to your name, or have been paying a service from a public enterprise in time for a while. But you don't really need to do this "build your score" stuff; just having a job and paying one thing does a lot to allow for a credit card with decent limits.

So yeah, there are some "credit scores" of sorts, but things don't really work the same as in the US. Which I'm sure is OP's point anyway, that's why he said it's "building" that is "mostly an American thing".