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              <p>This article compares French and US ways of granting a credit, and focuses specifically on the different uses of credit scoring. Whereas in France, many in-house scores exist, there is only one single score in the US, which is public. This difference has huge consequences in the organization of the credit market in the two countries. Our demonstration is based on the distinction established by Luc Boltanski between “world” and “reality”. We show that credit scoring, specially the US one includes the past, present and future. It eventually aims to suppress the possibility of any event and dissolve all felt experience of the borrowers.</p>
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              <p>Cet article compare les techniques d'octroi de crédit française et étatsunienne à travers l'utilisation du scoring, technique statistique mesurant le risque de non remboursement. Les scores français sont multiples et internes aux banques alors que le score étatsunien est unique et public, il est donc à l'origine d'un marché qui n'existe pas en France. Se fondant sur la distinction entre « monde » et « réalité » établie par Luc Boltanski, nous y montrons que le scoring, en particulier dans sa forme étatsunienne, incorpore les temporalités passées, présentes et futures, et est une tentative de supprimer l'événement et faire disparaître l'expérience ressentie par les emprunteurs défaillants, ou non.</p>
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