I am SO CLOSE to joining this club at 750, 753, and 755. I'm in my mid 30's and 22 months ago (July of 2013) my score was 580. I had no idea that it was so low as I had never used it. Never had a credit card, always paid cash for everything, I haven't been a single day late on a bill in 20 years, and never signed any contracts pulling me into any kind of commitment. I got tired of driving $5000 beater cars and went in for a new vehicle only to find out that my credit was atrocious.
100% of it was due to derogs from my FATHER as we have the same name and, because of his inability to act like an adult, every couple of years he has to move back in with me giving us the same address. I ended up explaining all of this to the dealership and they worked me into a first time buyers program with a "meh" interest rate on a brand new Kia Soul. Then I started working on getting all of the misapplied collections/late payments/derogatory remarks removed, one at a time, from each agency.
10 months after that they had all been pulled (dozens of them across all three agencies and some of them 15 years old and still showing on there). This seems to be a never ending cycle as, every few months, something new of HIS pops up on MY report. Non-payment for a medical bill here, a phone bill there, and apparently he had cable service through everyone on the face of the planet. They pop up, I go online/call/write to dispute, send them whatever they require to prove it shouldn't be on MY report, and usually within 15-30 days it's removed.
I also worked myself up to three credit cards that I try to keep a 1-3% utilization on (though I've used as high as 13%, but paid it off quickly). I also took out a signature loan of $1000 and paid it off in 4 months, just to add another "account" into the mix. I also only have a 12% income to debt ratio, even factoring in rent.
Now, the only things against me are "too few accounts", and my average age of credit... as wiping all of the misapplied junx off my record basically started me over half way through 2013.
I'm SO CLOSE to 760! The exciting thing is that I'm rewarding myself for all the hard work, in a couple of weeks, by using my new scores for the first time and buying a new Can Am Spyder. I'm already pre-approved through my credit union and I got the BEST rate they offer!
I know... I know... With such a "new" history, 1 little bad thing can drastically change my scores and I shouldn't be running out this fast to get such a large loan, but this is the only major purchase in the forseeable future as I am set with everything else... That being said, my car will be paid off in another 2 months. This means my oldest account will close and I will lose the only open fixed rate loan I have reporting... So I'm flagrantly using buying the trike as an excuse to keep my credit building (after it takes a dip from the new account and losing the auto account). Then I'll be working on building it back up, over 5 years, to start considering purchasing a house. Still not sure about home ownership with the father situation, however... But we'll see.
I want to thank all of you on this forum for all the insite and knowledge I've gained in the past couple of years. It has truly helped.
Cy
Just wanted to share my happiness 
Maybe a blood sample.