My utilization rate today is at 15 percent I just checked on Experian. Not bad. You know what my greatest fear about this whole Credit thing is? Someone steals my info on the dark web and gets a card in my name and maxes it out. Now I have Lifelock and other credit monitoring to watch out for this, so I feel somewhat secure about it

Probably the case. Maybe one of the three credit bureaus are at 850 and the rest are a little lower

Yeah 850 isn’t something I’m striving to get I’m fine in my upper 700’s, but curious to see how people even got to the 800’s to begin with. Thanks for your info it was very insightful on how you got to your score. This whole credit thing I find fascinating lol

Oh yeah it’s nice, but I was just randomly curious how people got to the 850 perfection. Maybe they have a longer credit history than I do as well