A high credit score is not an asset. In fact once a person gets above "good" it is mostly meaningless. Also, during a moment of weakness, it may be a detriment.
Anything above good qualifies one for the best possible rates on mortgages, so no real help there. What is the real determinant is income. A person with an 820 credit score will not be able to buy a 600K house with a 40K/year income. While a person with a 650 score will if their income is in the 150k/year range.
With business loans it is all about the ability to negotiate, potential profitability of the venture, and the net worth of the borrower. Look at the qualifications for significant franchises. They typically require a large liquid net worth, and a higher overall net worth.
Even with car loans, your relationship with the financing company tends to trump actual credit score. Ford motor credit will allow you to have all kind of detriments on your credit report provided you are caught up with them.
So how can it become a detriment? Primarily at the auto dealership. A great credit score will allow you to significantly overpay for a car. A great salesman can prey upon a person's ego and sell them a car with all the bells and whistles when they might have been shopping for something more practical.
Also you will qualify for every "same as cash" deal that comes along. Fall for to many of those tricks, and the retailers will have all your cash.
At some point, you are just better off keeping your credit totally frozen as there becomes no need to borrow money.