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It seems that the prevalence of identity theft and the seriousness of typical cases is quite dependent on the country and the legal system and commercial habits there. Most countries in Continental Europe, for example, require their citizens to own ID cards which are needed to prove one's own identity on numerous occasions, such as opening (or even accessing) bank accounts, renting cars, checking in at hotels etc. As ID cards are in general as hard to counterfeit as money, and one usually has to physically show the card, it requires substantial criminal effort to commit fraud. Being used to this standard, businesses are unlikely to accept an ID verification by means of "semi-secret" personal information such as social security numbers to ascertain an identity. Maybe because of this, it is also less common to do business by phone as it is e.g. in the USA.

The three major credit reporting agencies in the United States, (Equifax, Experian and Trans Union) calculate their own FICO scores, which go by different trademark names as well as many different versions of the score (often differing because what they are meant to predict and when they were written): For example Beacon, Beacon 96 and the Pinnacle are all available only from Equifax; Empirica Empirica Auto 95 Precision Score and Precision 03 at Trans Union, and Fair Isaac Risk Score at Experian. These versions, while all developed for the agencies by Fair Isaac, differ and are periodically updated to reflect current consumer repayment behavior. The NextGen Scores are the most recent scores, but creditors vary in which version they prefer to use.