I remember being refused something (although I can't remember what) because my credit record was blank. I bought a bed on hire purchase specifically so I had a financial footprint.
That is, no evidence in favour nor evidence against you.
> That is, no evidence in favour nor evidence against you.
It's because this isn't a court of law. You're trying to convince other people to give you an unsecured loan. The default will never be an assumption of trustworthiness.