Credit scores are (or should be) reflections of how likely you are to pay the money back, and how much you can borrow and still be able to do so. Better risk, proven over time, the higher your credit is. I have absolute sterling credit due, Deo gratias, to a lifetime of sound financial management and living frugally --- not everybody is that fortunate, not everyone has that option --- and I can go into any bank in this land and get a signature loan of a fairly sizable amount. The fact that I do not do so --- I don't need it --- doesn't hurt my credit, and probably helps.
There are few temporal assets more useful than good credit. And I can tell you, from having worked with a lot of people whose credit was not so good, that wealthy and high-paid professionals often have abysmal credit. (And then they wonder why they can't get loans.)