The "system" does not require a 15-20 year credit history...let's get serious. I don't even have a 20 year credit history, I am not old enough.

A terrorist can get ID with a birthdate that makes them 21 or 25 and then begin applying for credit and let things churn for 14-18 months...that is enough. Also the lack of a credit history or the presence of a bad one is not a special flag - does everyone with crappy credit or no credit get on the no-fly list or get SSSS on their boarding pass? No.

14-18 months of continuous banking, credit and residency at a single address will get you two things: into the 'system' cleanly and a heck of alot of marketing junk mail.