so you are saying that these people managed to put together over 100k in cash to buy a house, furnish it, buy cars, insure them and everything else all without gaining any kind of credit?

I dont believe you. You MIGHT run into 1 person in a lifetime that is so incredably smart that they can do that, but the chances of that are so slim its not even worth thinking about. To claim to know several of them is absolutely retarded.