You are so full of BS it's scary. No credit report is a non-starter at any financial institution that wants to stay in business. They won't be giving you a loan unless they know you are wealthy e.g. own 17 investment properties already. 'High-privacy' countries is code for 'tax-haven', and 'my money in the Cayman Islands' means your bank is about to run afoul of AML and KYC laws if they give you a loan. And this is the whole world: doing business with America means adopting their financial posture i.e. penalties for doing business with money launderers.