This seems like a bit of paranoia over credit score/history use by employers. I had an 800-ish credit score before I ever bought a house, and I’ve never had a car loan. Prior to my first mortgage, my only credit history was two credit cards (with long payment histories, although always paid off in full), previous apartment rentals, and a history of paying utility bills. That’s it. Anyone can do these things to have a good credit score – it doesn’t take much effort (well, except for actually staying current). You don’t have to have a mortgage and you don’t have to have a car loan. It’s not some herculean task only reserved for “debt slaves.”
I agree that medical bills should exempt someone from the penalty box, but the prospective employee should explain that up front so that it can be adjusted for in the credit report.
