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820 according to credit union,haven't charged in years,use debit card as credit card.If I don't have the money I do not purchase it.same vehicle,99,from new,178,000 miles,well taken care of.Last vehicle,286,000 miles,1986.
- Had a credit card since the age of 16 and paid it off in full 90% of the time (I'm almost 30 fyi)
- Currently have over 10 credit cards (almost all rewards cards) and I rarely carry a balance on any of them.
- Paid off my student loans.
- Never had any auto loans.
- I've not been perfect with paying on time but I've never been negligent either.
My credit score is in the low 800s as of a year ago (last time I checked.)
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