Questions about my credit score?

Tips and Deals Forums Consumer Credit Improve Credit Questions about my credit score?

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      So I just obtained my credit report and checked my credit score through Experian. I am a little confused.

      First off, my report said that 10 of my 11 credit items are in good standing so I was very happy about that. The one that wasn’t was b/c I stupidly cancelled a credit card when I was younger and didn’t know any better.

      I am confused b/c I paid $ 6 to get my actual credit score and it is a 799 out of 990. As I understand the different credit houses have different ways of calculating your score so I know it’s all subjective. However, I am concerned b/c it said I am in the “Prime” credit category and not Prime Plus or Super Prime which I thought I might be. The next thing is my credit rating ranks higher than only 61% of US consumers.

      I don’t have any real debt, only student loans, no car loans, no mortgage. Can someone break down my score for me?

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