Actually there is if you look at it from the creditor POV. A credit score does not reflect how likely you are to pay your debts, though it does reflect that indirectly. What it really does is it tells the credit companies how much money they can make off you. The more likely you are to close an account, the fewer fees they can charge you.
But that’s not what a credit score is suppose to be. It’s allegedly used as an indication of how timely you pay your bills When you go for a mortgage your interest rate is based on your payment reliability.