No Stupid Questions
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Because they represent a resource, concrete or abstract. Currency is easily exchanged, either for other currencies, or for goods and services. This allows for a lot more opportunities than hauling around a swarm of sheep for bartering at the car dealership.
On one end carrying sheep would be annoying, but so is a credit score; arguably both are sources of noise distracting humanity from actually improving at all
We had currency without credit scores for about three thousand years prior to the first credit score agency (1841 from what I found). Having credit score agencies is just a modern problem and their prevalence in the past fifty years is a demonstration of how shitty our capitalist system has gotten.