Credit score doesn't matter if you don't want to use credit. It's not a good or bad thing it's a tool to use if you want to.

Ability to pay doesn't insure a good credit score... the three credit reporting companies have no way of knowing your ability to pay. They establish your score based on your history of using credit.

Credit scores come from a number of things, but to get a good score you have to use credit, establish it, use it and pay it back.