i just checked my credit score. i have no real credit cards, well i have one that my mom gave me, its got my name on it and i never use it, its for emergencies i guess. im pretty sure the card is linked with her account though, she pays the bill. and i have my bank card from my bank, i always use the credit option when i use it (dont like typing my pin # in) not sure if that does anything for my credit. and im sure my school loan is on there, but i havent started paying it yet since im still in school.
experian gave my score as 687 (says the scale is 501-990). says im a medium-high risk to lenders. i really have no desire to get a credit card though, i have no need for one. i feel if i dont have the money for something, then im not gonna buy it.
also it says i have 2 accounts in good standing, 1 from US dept of Edu. ok, my loans, and 2 is from Bank of America? i dont have an account there, never have, says it was open since 2001 too, weird... and looking at the address, its not my address for the bank account, same with the dept of edu, address, not my address... wtf?