Building Credit
noodle: "too clean" typically means "you have the credit but you never used it".  when people lend you money, they want to see that you, at least sometimes, will actually use that money to the end.if you're the type of person who pays off a loan immediately or ASAP, that is lost money for the lending party.  the time that the lenders' money is in the bank and not in someone's hands is interest not being earned.  if you pay off your loans quickly, the lenders have to effectively pay for more overhead in finding another loan for that money you were "supposed" to hold on to for X years (but instead, paid it down much faster).  lenders don't like to lose money, and therefore won't lend money to people that are effectively bad investments.