This report reviews five years of consumer credit data on more than 5 million consumers from a major credit bureau to understand the debt styles of American consumers. While many patterns that emerged are not surprising, there were some unexpected findings: Consumers who have no debt have weaker credit scores than those who have debt; Consumers who have auto debt in combination with any other type of debt generally have lower credit scores than those who do not have auto debt with their other debt; Borrowers in their 20s and early 30s with both mortgage and student loan debt have higher credit scores than borrowers in their later 30s and 40s with the same combination; And those borrowers who hold only one type of debt generally hold less of that type of debt than those who hold more than one type of debt.