Interesting topic. I am sure I'll learn something from it.
I am sure I have a low credit rating by being financially responsible. Does that make any sense? I pay cash for anything I buy. I don't use credit cards.
When I bought my house I was told I had a low credit rating, even though I had paid rent, electricity, gas and cable TV for 10 years, but I was told that didn't count. One of the bankers recommended that I get a couple of credit cards and I told him no. I ended up getting a VA loan for my house. Have I ever needed a credit card? No I haven't. I had an American Express card for a while, but that was years ago and I only used it a few times. I have a checking account and a debit card with a $2,500 credit backup, but I've never needed to use the backup.