I hate how opaque the whole idea of credit is.<p>There should be some kind of score for "general financial responsibility" (based on income, spending, investment, bank account info), not "borrows a bunch of money and pays it off reliably."<p>Right now, I have a little bit of debt, and about 10X that amount in savings, and everyone's told me to pay the debt off over time because it looks good. So that's what I'm doing, even though I hate the idea of having to pay interest.<p>My dad has even had trouble securing loans since he paid his mortgage off.