Credit rating are ironically based on taking up debt to show that you can deal with debt. There are other ways to think about credit worthiness. As an example

Credit rating are ironically based on taking up debt to show that you can deal with debt. There are other ways to think about credit worthiness. As an example your checking and savings account can be used to show how you actually do each month, you can look at social connections to see who my friends are and if you have something like Google Wallet or Square Cash or Venmo you can also look at how good people are at paying each other back. So plenty of things to look at that aren't being recorded right now.