“Your credit record is based on your actual payment record.”

Not mine. It has no record of any of my past rent payments, bill payments, etc. since I paid them all on time without using debt.

It is standard in the UK for regular bill payments to be recorded on a credit register regardless of how you paid those bills. Not sure if it's the same where you are? Technically, a bill is a form of debt.

My point, really, was that airbnb reviews are not a reliable measure of anyone's credit worthiness or trust other than their ability to participate in a mutual bulls..t exercise.