As far as I understand, the reason the credit system already does not do this is due to friction with integrating data. All the small landlords probably do not have access to credit reporting bureaus, and there is probably a lot of hassle to report and verify information.

Of course, that friction has greatly been reduced due to computers and internet, so it is possible to get a more granular look at people’s ins and outs to more precisely establish credit.

I think checking accounts or an equivalent should basically be a government utility at this point, available to all.