This is because credit score is a measure of two things. The first one is obvious - that you are capable of paying your debt if you find yourself in it. The sec

This is because credit score is a measure of two things. The first one is obvious - that you are capable of paying your debt if you find yourself in it. The second one however is how valuable you are to the banks. What good are you to them if you never borrow more money than you need? Their best customer is always in debt but regularly making payments (with interests of course).