Well i had the opposite, me and the wife have paid and now own our cars, we have no debts other than a mortgage and household bills, savings and both have good jobs, with perfect credit scores. went to a sofa place to get a sofa on credit and they refused us, were both on electoral roll etc and we got refused??? Asked a freind in the know and if your “too reliable” ie will pay on time or early some creditors/banks wont lend you money as they wont earn the late payment fees or big interest on you so i asked my bro who has a ccj and owes shed loads out, bingo first pop they allowed him to have sofa, also my old boss whos more than well off (owns 64 properties and 20 garages) got refused a 65k mortgage on a property he wanted, swift change of banks (they werent happy) and he got what he wanted its daft this scoring malarky just get someone else to get it for you.