And as written, someone that didn't already know about it would make a false inference about what kind of people would be marked as radioactive. I was pre-empting that (very likely) false inference. The fact that you didn't explicitly say the false thing (or that you can cleverly read "based on debts" to mean some non-obvious thing) doesn't obviate the need for that clarification.
> It's all based on your debts, and repayment of said debt.
Absence of credit history is based on your debt (or more specifically lack thereof).