Most credit cards are unsecured. They don’t care about credit score. That’s how you build a credit score, through credit cards.
At the age of 40, with a zero credit score and a 40k job I couldn’t get a credit card or a loan.
I don’t buy it. Nor do I buy that an 18 y/o saved his burger-flipping wages over the course of more than a year to fulfill a plan about which nobody had a clue.