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   Lee Holmes :donor: (lee_holmes@infosec.exchange)'s status on Thursday, 29-May-2025 10:38:55 JST Lee Holmes :donor:

   in reply to

   @sj Alternatively, having no debt could be a sign that you haven't proven you can manage a debt load and are therefore more risky.

   As far as I understand, you get dinged from not having enough and also dinged for having too much.

   Whether you believe what the lion says or not, this is what the lion says :) It does appear more biased toward risk than whether you carry balances: https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-scores/