No person should be denied coverage or charged excessively for car or home insurance, or denied the ability to rent a home/apartment because of a Credit Score/ Report.
Especially since the crash caused by banks and financial entities, which caused massive bankruptcies and ruined credit lines, and people who have been driven into bankruptcy or have many debts due to health care cost or bad mortgages are not a predictor of your current ability to pay rent or drive a car in a responsible manner.