> Nope. Credit score is about the ability to repay in the US. Parent doesn't know what he is talking about.
OR I'm not in the US. Other countries exist. I'd be surprised if credit companies even in the US don't share the information on "low or no profit users" - ones who religiously pay off loans without paying any interest.
However credit cart companies do like you better if you are the type to 'slip up', mortgage lenders not so much.