How do you price your current income with no identifying information is the point that was being made. If you can prove your income then you have identifiers.
you get a standardized form from your employer, or income transactions from the bank. They can use that data internally, but they cannot sell it nor give it to 3rd parties.
And that's exactly what happens over here. There is no credit score, nor other such bullshit.
You get assessed for viability by proving your current income for last X months depending on the loan.
There also exists a national black list of debtors - but to get there you must really mess up and not even try to pay back your loan.