There is no such thing in France (or most countries for that matter). It's a pretty absurd system that gamifies and profits off heuristics, and results in a Kafkaesque nightmare where you can't get a job, rent a place or get a loan because of an arbitrary value assigned by a company with a profit motive. One that has no incentive to get things right or even get the right person.

How things work in France is much simpler and better. When you apply for a loan, the lender checks with Banque de France (national bank) if you have outstanding debts and if you've defaulted on any debts in the past 5 years. That's it, that and your proof of revenue is all they need.