Having a line of credit can be seen by some as being over rated.
If they live a low scale life style then they do not need credit. There are a lot of low scale jobs out there that does not need for you to have credit. If you are ghetto, you probably know how to live within your means and not having to deal with credit. Just like a ghetto sketchy guy who drives around with his bicycle because the dmv revoke or suspend his license. He still gets his chit done regardless.
Now lets see here.
If you need a place to stay, have someone else with better credit to be the person on the housing listing but it is you who pays for the rent.
Same thing with buying a new car. Have the car under someone else and put yourself on the insurance to be insured to drive that car or go the co sign way. Not sure now but back in them days, welfare people must report the value of their vehicle. I think in the 90s, it was a car under $3000. If you have someone else to be on the title then your welfare azz can look like a millionaire with your joy ride too.
Same thing with buying anything else. Get that trusted person to buy it and you pay monthly for it.
What is in it for them? They get to help out a person and their credit score will go up if you don't screw them by paying your monthly payment on time.
If you have a surrogate, you do not need credit.