You don’t need to loan money to get a credit rating, that is a total myth.

You’re right in that you actually need to be loaned money to get a credit rating, but you’re just entirely wrong overall.

The credit rating is based on assets and income, debt actually has very little effect on it, only if you declare bankruptcy does it usually change the rating.

You’re objectively incorrect. Please look into what the credit agencies say they use before you provide your opinion.

How much you owe and your payment history is 65% of your credit score alone. You literally have to be loaned money to have a credit score.