| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit history | Sweden | Credit history is a significant factor, but personal stability and employment history also heavily influence financial trustworthiness and loan eligibility in these countries. | 1 |
| 2 | credit history | Sweden | Credit history, along with personal finances and asset ownership, are important factors contributing to financial trustworthiness and loan eligibility in these countries. | 1 |
| 3 | credit score | Sweden | Access to credit and financial opportunities is heavily influenced by having a high credit score. | 1 |