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 @38629c61

Is this for real? (not in US, never dealt with a credit rating) 
 @d51dee95 this is real and I’m in the UK :) 
 @38629c61 wth.

Also, did not know it was in use there either :| 
 @d51dee95 it’s pretty much only the Netherlands, Australia, Japan, and France that don’t use them. Pretty much everywhere else does