One asked how many people don’t have credit but are low credit risks?
If any of you are expats, unless you kept your house and have been making mortgage payments while away you will come home to a Credit score of 0. Basically this is a score that says none or not enough recent information to give a score. There are millions of expats coming home which need to buy cars and a place to live. It takes 3-4 years in the US paying utilities and other reportable payments to reach mid 700 score even for people with higher than average balances.
Honah Lee