How does not having a #credit score effect one's significant #financial #decisions in life?

I've recently been viewing seminars by #Dave #Ramsey. He spoke of being #debt free and that having a #credit card is not necessary for #life. However, I know that some transactions request a credit score. Also, when shopping online or #traveling abroad I've always thought it was safer to have a credit card in case I'm #compromised so that I'm not losing my real money. However, being debt free is ideal and perhaps these #life events can still be accomplished #successfully without a credit score. I'd like to know what that potentially looks like.

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