That's the part I don't get at all. How come is not having any credit history a bad indicator? If anything, it should tell that the person is financially stable to afford things without needing credit.
Where I live (and I think in other European countries too, with exceptions) it works other way around. Having a clean credit record is a good thing and only if you neglect your payments you get negative marks on your record. Having any negative marks generally prevents you from taking any new loans or financing (a good thing!) but negative marks will be cleared after debts have been paid off and some time has passed.
Empire of the Ants by Bernard Werber
This was the book that got me to stop hating books.
I didn't like reading as a child or teenager until I was forced to read this one for a mandatory book report in high school and really, really liked it. I don't know why, I don't even remember that much about the book, but it got me interested in science fiction and reading in general.