Edit: Like how apparently not having any social media accounts can weigh against you, if asked to produce them, when attempting to enter certain countries.
Honestly credit is completely overrated. You can rent apartments for example even if you've never owned a credit card or taken out loans provided you have a job and can prove it. People just want to know you have the ability to pay them and behavior is a really stupid way to judge that.
Past behavior is not a guarantee of future behavior, but it’s a pretty good heuristic I think.
If you’re contemplating lending money with no collateral to 2 people, one with a 10 year track record of other borrowing and consistently paying back loans as agreed and no information about their employment and a second person where all you know is they have a job, which one would you rather lend to?
The lender wants to know that you will pay them not that you could afford to pay them.
