But they do generate that information - they just don't have a choice to decrease their score, as they can't be behind their payments (thus "isn't all that usef

But they do generate that information - they just don't have a choice to decrease their score, as they can't be behind their payments (thus "isn't all that useful for lenders") - right? That's the whole schtick behind "credit builder cards", use them to build up your credit score, isn't it? The cited part in the article "mourns" that part, that consumers get better scores even though they didn't have an "actual" credit card, doesn't it?