There is a reason that people with no credit history have a tough time getting certain kinds of loans. And there is a reason that credit ratings have become big business.
Those who have used easy credit judiciously, who paid their creditors as agreed, who aren't maxed out on their credit cards, who aren't living paycheck to paycheck, and thereby achieve good credit scores, will almost always qualify for the loans they apply for. But have no track record to show or create a bad financial reputation, and you better have some rich good friends if you need certain kinds of loans. And be prepared to pay much higher interest rates for most of the loans you do manage to qualify for than those people with high credit scores have to pay.