To clarify - Sweden has a lesser variant of the U.S credit score system, but it differs in some important ways. For example, you don't have to get a credit card to 'build credit' - you are assumed to be in good standing unless you have unusual ratios of debt and so on.
Sweden does not have a social credit score system.
Tenerife is very nice to ride in. I haven't done Teide yet, but it would be really cool.