Yeah, I want one of those. The current bullshit credit system that rewards people for irresponsible use of credit card didn't exist when your first mortgage was carved into an oak tree back when Oklahoma was still Indian Territory.
Get a credit card, use it, pay it off every month, be resposible...yeah that seems terrible.
Fyi, usage and available credit is one of the biggest factors in your scores. I don't know if you care though because you seem like you are more interested in complaining about the system of everything instead of improving your situation.
1. The state screwed me
2. The education system screwed me
3. The banking system screwed me
4. Can't get a mortgage because their system is dumb
5. I don't own a house because the middle class is poor
Such a victim mentality, dude. Screw all of those people. Just make life better and work around things to accomplish what you want. We are still free enough that we can make the system work for us.