There are a lot of things about credit that are overrated such as the number of credit inquiries on your report, but your credit score itself is certainly not one of them.
Sure, you could get away without credit for several years if you had to but without it you will eventually run into problems renting an apt, buying or repairing a vehicle, etc.
Having good credit essentially gives one access to short term loans in the event of an emergency or other situation when you don’t have the cash on hand to make purchases for the things you need.
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