Here's my anecdotal experience in the US. You can still find banks that will do manual underwriting for big loans like a mortgage. 15-ish years ago when I had

Here's my anecdotal experience in the US. You can still find banks that will do manual underwriting for big loans like a mortgage. 15-ish years ago when I had no credit history I was able to rent an apartment, but I had to leave a bigger deposit, 3 months instead of the standard 2. I bought a car with no credit, but I bought it at a small buy here pay here lot whose customers often have bad credit. I didn't try a big dealership for a new car.