That is correct, sort of. If you have never had a credit card or taken out an auto loan (or student loan, or mortgage,etc...) then there are no data points on y

That is correct, sort of. If you have never had a credit card or taken out an auto loan (or student loan, or mortgage,etc...) then there are no data points on your credit report. You are still "tracked" though - you would simply have a low credit score because there is no data to determine your credit worthiness.