Well if you read more of the article he has a low credit score because he has “missed payments”.
I have credit cards and I have no debt with the exception of a home loan. I pay my credit cards off every month.
The banks can forgive low credit scores if there are extenuating circumstances. You are a low risk as you pay your bills and don’t live above your means. Credit scores are based on a few things and don’t take in account people who do not have credit cards.
I will officially predict to you that within a few years the use of credit scores will be banned, after they have been sufficiently vilified as “racist”.