Wow!!

So I have no credit card debt

No revolving line of credit

Basically -no ostentatious spending habits for six years

How am I repaid for my financial diligence ???

With a “0” credit score from Transunion

FOH !! AMEICA land of the free my f*cking ass

I went through the same - long ago. Unfortunately, you need to borrow money and pay it back successfully to have a credit rating. Financial competence isn't even considered.