<prompt> Human: Two family members told me two different things about debt that sounded wrong to me, but then again I cant yet assume to know otherwise.I use debts with grace periods to pay for expensive products or medical care. I am fortunate to have a great job, so I always paid my debts off well before the grace period ends, sometimes more than 3 months in advance. One family member chimed in to say this actually hurts my credit because I am telegraphing that I bring no profit to creditors. Another said that while I am not hurting my credit, my score would do better if I committed to a larger loan and remained diligent for the long term.I feel like Ive been given a mix of truth and misconceptions. Is there any truth in what Im being told about how creditors report my repayment habits?  <response>: This is mostly wrong. Credit scoring certainly doesnt take into account profitability, and most prime lenders dont do so openly either. However, most scoring models do take into account what kinds of credit youve had, and a diverse set of accounts youre paying as agreed can be good--so you could see a small drop when you pay off your mortgage, for example, versus having a mortgage thats almost paid off.In general, worry about interest before you think about credit scores. 