How about not giving private citizens credit ratings at all, and/or not allowing the use of third party credit ratings by lenders to private citizens?
The US seems to be the only OECD nation where such ratings are ubiquitous (despite recent attempts by the rating agencies to expand their businesses internationally), and your country appears to be a worse place to live as a consequence of this (often flawed) system, which looks to me to be just as cruel and capricious as tbe Chinese social credit score system.
What's your alternative for keeping track of who pays their bills and who doesn't?
Why do you need to do that? The rest of the developed world manages just fine without doing it.
Lenders determine who
can pay, and lend to those people - that is, they look at their income and expenditure, at the time the loan is being considered.
If they don't then make their payments, the security is seized, and/or they go to court.
The entire concept of "credit rating" is based on the extremely dubious ideas that people never change, and that somebody who hasn't paid off a loan in the past, won't pay one off in the future - even if the reason that they didn't pay a loan off in the past was because they didn't take on a loan in the past.
It's more of the tired old puritan stupidity that assigns everyone a life-long, god-given, level of moral probity.