Another use case where this is potentially useful: relocation. I've been rejected for financial things before after international moves, since I have no credit history _in that place_. Income? Doesn't matter. Previous history elsewhere? Doesn't matter.
This is _also_ an issue for self-employed people, contract workers, or...well, basically anyone who doesn't fit the "I stayed in one place and work full-time" mould.
This is _also_ an issue for self-employed people, contract workers, or...well, basically anyone who doesn't fit the "I stayed in one place and work full-time" mould.