What are these better solutions? The bureaus exist because companies can only quote you loan products if they have a good [enough] understanding of how responsible you are with debt and paying existing creditors. You could make arguments about some pitfalls with the score, but any other creditworthiness system will need a lot of data if lenders want to be able to trust it to provide insight to your monthly debts and payment history.
Many European countries do not have a credit score system. Companies and banks are a lot less inclined to give you credit, but I don't see how that is a bad thing for society?
