The only loan I've ever had was for my first and current house. It was paid off 35 years ago. Never had a car payment and have never paid a fee on a credit card. I have always paid total balance and use them for almost every purchase I make every month. Score is never a perfect 850 and can range from 750-825.
What makes it go lower is when I have charged several thousand for a major project on the house. Even though I pay the balance in full when they check sometimes it will show to be an outstanding balance even thou it isn't due yet. Crazy

As far as an estate a lot of people don't know the administrator can be held personally responsible for 2 times the cost of estate if they are deemed to have made a mistake and wrongly handed out the money to the wrong party.