Just a bit of info on how little history can generate an 800 score. 20 year old college student - 2 prime credit cards with a combined limit of $1500 with no balance (1 is 6 months old & 1 is 1 year old), one AU on an Am Exp card with 20 years of history, high credit & no balance and 2 student loans with a balance of about $3000, in deferral. No late payments on any account. There are a couple interesting items. All totally ignores the AU American Express for available credit and list the total available as $1500.00. Experian totally ignores the AU in number of accounts, but does count it for length of history. Highest score is Experian at 825 - the other 2 are 805 & 809. I am jealous!
