You are wrong in your assumptions. My wife and I both have 800+ credit scores at all 3 credit reporting agencies, we have a paid for home and no car loans, we pay off our credit cards every month, yet when we decided to buy a condo and sell our current house one of the negatives was that we haven't had a mortgage or loan history. We don't pay anyone interest and that is being held against us. The fact that the mortgage we're trying to get will probably be paid off as soon as we sell our house is also a negative. If you're not going to make them money they aren't happy, and don't get me started on the extra fees they try to slip in, I feel like I'm at the car dealership.