Sometime this summer I'm planning to take out my first auto loan in over ten years.  And already I'm a bit worried about my credit qualifications.  There are no derogatory items on my credit report, and my income is certainly large enough to support the amount of loan I have in mind.  Debt is the problem - more precisely, the *lack* of debt.  My only current debts are a mortgage and a credit card, both with modest balances.  But I've heard that the credit scoring systems used by most lenders today actually treat low debt balances (expressed as a percentage of income, presumably) as a suspicious item.  I suppose that's funny in a way, as excessive debt also is a no-no.   I'm really worried that lenders will reject me due to my relatively debt-free life_style_ and I'll be relegated to one of those ghastly For Good People with Bad Credit used car lots.  Should I accept one of these unsolicited credit card offers that keep coming my way - not that I want to - just to boost my debt level and hence my credit score?  TIA.