It's very difficult to live in this country without established credit. For instance, It's difficult to find comfortable housing in a nice neighborhood without perfect credit, your options are very limited when purchasing cars, houses, cell phones, and even utilities. We've all been paying these bills for years and some of us decades!
We all know that hard pulls on our credit show negative effects on our credit. So if we already have a poor rating it looks even worst after a company pulls your credit. So what I propose is that any company than pulls your credit ought to be required to report your successful payments to credit bureaus. Car Insurance, rent, cell phone bills, utility bills, and even direct deposits and bank accounts.