Isn't the American credit score more like “once untrustworthy, always restricted”? Most the restrictions announced by China are removed automatically in just one year.
Now that being the case I still don't like credit scores. You can work years, have lots of savings, pay all your bills on time, pay off cars and mortgages and have a rocking credit score. The if one medical vendor sends your $90 bill to the wrong address, you never see it, then they send you to collections you will watch your score crater. This is sadly what happened to me, it is rage inducing!
https://www.npr.org/sections/health-shots/2017/07/11/5365018...
https://www.experian.com/blogs/ask-experian/medical-debt-and...
You can also easily dispute that $90 bill, and easily get it removed from your record. You'll find there's almost zero chance they're going to tangle with you over $90.
If it's a $5,000 medical bill, then they will fight you over that dispute claim.
Many times, you can contact the company who you owe and set up a plan where they'll remove the bad mark if you pay the debt in full.