Can anyone explain to me what credit score is and what it's used for? Does it have to have something to do with credit cards, taking loans or mortgages? (I'm f

Can anyone explain to me what credit score is and what it's used for? Does it have to have something to do with credit cards, taking loans or mortgages? (I'm from Europe and I've never borrowed money. I even only use a prepaid credit card, always wondered what benefits a real credit card would even bring.)