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The CFPB has a new acting director, Dave Uejio, who recently replaced Trump appointee Kathleen Kraninger. In a CFPB blog post dated Jan. 28, Uejio stated his two main priorities would be “(1) relief for consumers facing hardship due to COVID-19 and the related economic crisis, and (2) *racial equity.”*

>The CFPB has a new acting director, Dave Uejio, who recently replaced Trump appointee Kathleen Kraninger. In a CFPB blog post dated Jan. 28, Uejio stated his two main priorities would be “(1) relief for consumers facing hardship due to COVID-19 and the related economic crisis, and (2) ****racial equity.”****

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I think it's pretty well known that having a bit of debt increases your credit score. For instance, if you've never borrowed then you have no credit score which is considered bad credit. I don't know if anyone's precisely punishing you; it's more that you're not gaming the model as well as you possibly could. If you borrow and pay on time, AFAIK you will have a good credit score. It may not be as high as someone who actively manages it.