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Student24 wrote:

I am a student (20 years old) and has a credit score of 740. Is this a good score at this point of my life?

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Hello and welcome to the forums.

May I ask where you bought this score? There are many places these days who will sell you a "credit score" but it's not a true FICO score. A few examples are

freecreditreport.com,

freescore.com,

experian.com,

transunion.com.

These sites and others are more than happy to sell you what we call around here "FAKO" scores.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work