Yes, I have an aunt and uncle that gets punished on their car insurance of all things because their credit score is horrendous, to the point they basically don't have one.
Now, they own several vehicles, a house, things just like everyone else. But they paid cash for all of it, has never owed anyone any money in their entire lives. Their insurance agent and their kids tried to talk them into getting a credit card and just use it for gas and pay it off every month as it would save they a decent amount just on insurance. They won't do it because they've never owed anyone before and are not going to start now. Kind of shows the absurdity of the system.