imo, be careful of getting credit "just" to create a credit score. That said, a few thoughts...thought 1: If your financial plan is to remain debt free, your credit score may not matter so much.
Employers who check credit want to make sure you're not a bad risk as an employee; if you explain that you have no debt that should address most concerns. Rental car companies may run your credit if you pay with debit or cash, and when they see you have no score they may require a large(r) deposit, but it's not completely impossible.
thought 2: if you do plan to borrow money soon-ish, there are ways to get credit in your own name now to start building a score, but they typically cost you more
than if you already had a credit score since they usually have higher fees and/or interest rates than 'standard' lending. Some examples include:
-secured credit cards (but not pre-paid credit cards, which I believe the scoring agencies treat as debit cards so no impact on your score)
-high-fee 'starter' cards (not sure what they're really called, but typically they start with very low limits, then increase the limit over time if your payment history is perfect)
-'credit builder' personal loans at a local/small bank (kind of like a secured credit card in their structure, you put $ on deposit and separately they loan you $ and you pay it back, creating credit history)
thought 3: I am old enough that I paid my student loans off long ago, so I don't know this - someone else on this forum will, though - seems like once you start paying off student loans that would create a credit history & therefore a credit score. If you *don't* have a student loan maybe you have a good start to a debt-free life