Greentexts, memes, everything 4chan.
I refuse to participate in this and I have no idea what my credit score is.
I bought my land and house through owner finance, my debt was to a single individual. No banks involved, no credit check. Obviously this isn't always an option, but it still is an option in some cases, and it's a damn valuable option when it does present itself.
I buy used cars only, either through owner finance or paid in full. No banks.
I have never had a loan from a bank.
Your "score" is only there to sell you more score. This is the side effect of being able to access your own credit history (how very generous of them)
Every lender has their own criteria, and uses your credit history to generate their own score.
Unpopular opinion, not really opinion but...
Credit score system is designed for the people with money to allow you to borrow that money. It's based on a curve system so... If your at the bottom of the list is because 99% of the population is better than you at learning how to play the score system. Tldr: the score system was not designed with me in mind.
I don't know if it works differently in the US but the best way to build your credit score is to not take on debt.
Keeping your credit utilization low and not missing any payments is the key. It's an indication of how likely you are to meet the payments.
If you max your credit cards out and just pay the minimum amount, carrying thousands of dollars of debt and as a result can't get a mortgage or a car loan because your credit score is shit then the system is working as expected.