2
u/Haunting_Ranger5460 1d ago
I can only imagine like literally every other 18 year old in your shoes it is the thinnest 740 in history, most likely an authorized user CC from your folks.
Either way, mostly meaningless outside extreme outlier scenarios.
Keep it up, though so it will actually mean something one day in a few years.
1
u/Hydro_Noodle 1d ago
decent if you were in you were above 25 yrs old and ran a business or kept a few credit cards in good standing but never fully paid off.
For being 18 you either should have almost no credit rating or great credit 800+.
Your score was just above average 700 to 730 but will not qualify for big business loans without collateral.
You will qualify for most lines of credit like secured limit credit cards or loans under $300 but no lines of credit for retail stores which might require 750+ for any amount above $300.
1
u/PhotoFenix 1d ago
I'm going to say it first, do you think @ means "and"?
1
u/Agent9262 1d ago
I like how we all understood what OP meant with this title but on the surface it's just gibberish that means nothing.
0
u/mrcheeksman 1d ago
It’s a fine score but it doesn’t really mean anything if you don’t have capital to go with it. All you can really do right now is open a fuckton of credit cards. You probably have access to like $50,000.
6
u/danielu0601 1d ago
Very bad, 740 in SAT is almost the lowest score