That is absolutely true. I was treated as subprime despite having no debts and a high credit score (on annualcreditreport.com) merely because I had never taken

That is absolutely true. I was treated as subprime despite having no debts and a high credit score (on annualcreditreport.com) merely because I had never taken on debt. I would get rejected even for $500 department store credit cards! It’s ridiculous.