How to deal with the need of the credit score?

Some countries (US, Canada, ...) use the credit score system to "evaulate your payment trustworthiness". It is recommended to pay EVERYTHING through the credit card, have multiple credit cards and different products* to improve your credit score, to be able to rent a house, buy a car, a house.

How do you guys deal with that from the point of view of privacy?


(*) Damn, it almost looks like it was created by the banks themselfs, right?

credit deal privacy score