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@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/