The nuance here is that "credit history" usually means "record of ability to pay debts and manage credit". This is not that. This is about the use of the credi

The nuance here is that "credit history" usually means "record of ability to pay debts and manage credit". This is not that. This is about the use of the credit account metadata - e.g. what accounts do you have, when did you open them, your prior addresses - for identity verification. This does represent a problem for people who have no, or insufficient, credit history to achieve the identification bar; but this isn't about a patient's creditworthiness per se.