> I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that default starting point.

> That is, no evidence in favour nor evidence against you.

It's because this isn't a court of law. You're trying to convince other people to give you an unsecured loan. The default will never be an assumption of trustworthiness.

The default assumption of a blank credit info in 2023 would have to be this person is either very young and probably a risk or a fake identity and certainly a risk. That’s why young people can only get small loans.