Six common traits of people with a great credit score:
1. People with great credit are not debt-free.
2. But they don’t carry many balances.
3. 2/3 of them have less than $8,500 in total debt (not including mortgages).
4. They always pay on time.
5. Some of them have messed up before.
6. They keep the same accounts and rarely open new ones.