Maintaining a high credit score, while carrying zero debt?

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To answer your question, it definitely doesn't help. Because your credit worthiness is based on your credit history. If they have nothing to go off, how can they know if they can't trust you with their money?

But if the alternative is that you can't control yourself when you have access to lines of credit, then yeah probably stay away. But know the consequences

How high? Once you hit a certain number it's pointless to try to get it higher.

A high credit score doesn't mean free access. It's only one of a set of criteria that gives access to credit.

Doesn’t matter. 760 will access the best rates you can get. Anything higher is just water cooler talk.

Manual Underwriting

If you have already paid off your house, and you have zero debt, why not just save up an buy the car with cash?

In your scenario, your credit score should not matter.

I don't make a lot of money, but I have not had a mortgage or any other debt in over 12 years. Use credit cards but pay off monthly. Score is over 800 according to what they show on my bank and card accounts. So I guess the lack of debt doesn't hurt you too much.

I'm getting to where my dad was when a fellow told him that doing something would hurt his credit score. He said, "I don't need credit, so I don't really give a shite."

Who cares?? Why borrow money to maintain a credit rating?

It's not like you are going to get a trophy.