How is my credit score compared to other 19 year olds?

[Anonymous]

Decided to do my first credit score check, and got 702 for Euifax, and a 726 for TransUnion.
I have one credit card from my bank, and paypal credit. I used to use over 50% ututilization rate since i didnt know, but have never made any late payments.

What im concerned about, is that ive seen a chart on google comparing scores amongst age groups, and 18-24 recieved scores from 500-600s.

Is my score good for me being 19? Also, any tips on improving it aside from a lower utilization rate?

[Anonymous]

Where are you getting your scores from?  If it's CK, those are VantageScores not FICO scores, so they aren't very meaningful. 

[mitchblue]

I'm pretty sure I had a negative score when I was 19. Try here, free score and real Fico 8 https://www.creditscore.com/

[Anonymous]

Do you have any loans?  And if so, do they appear on your reports?

If not, we can suggest a way to add another 30 points to your score.

[Subexistence]

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@Anonymous wrote:


Is my score good for me being 19? 

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No.

[mitchblue]

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@Subexistence wrote:

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@Anonymous wrote:


Is my score good for me being 19? 

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No.

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If those scores are legit they're certainly good scores.. Over 700 at age 19 is fantastic.

[Anonymous]

What do most credit scores "debut" at when they are first available at 6 months of credit history age?  I would think someone with 6-12 months of credit history assuming they opened 1-2 cards and had perfect payment history and 1% utilization would have a score of about 700?

[Gmood1]

Step daughter's FICO score were between 730 and 750 with 6/8 months history. Two CC's reporting at the time with no back dating.

[Anonymous]

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@Subexistence wrote:

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@Anonymous wrote:


Is my score good for me being 19? 

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No.

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Actually yes lol! I'm 19 and can personally attest to the sheer horror that many people my age have about credit in general... translation most don't even have a credit score, you are way ahead of most people.

[Anonymous]

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@Gmood1 wrote:
Step daughter's FICO score were between 730 and 750 with 6/8 months history. Two CC's reporting at the time with no back dating.

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And just to confirm.... no loans or any other installment accounts?  Exactly two accounts total?