Not that many people have a great credit score (in Canada), only about 7 million or 60% (of those who have checked) have a credit score of 750+, the majority of whom are seniors. The rest of the total population, 56% of us all, have not even checked out our credit score (article). How can you build up a credit score even on cash (article)? You have to keep your credit score high on purpose by paying all of your bills on time.
Updated March 8, 2018: