Do you have to do something bad to get a below average (700) credit score?
I just did a credit report and all I have is a federal loan (government). I just recently got it and haven’t begun to repay yet. But I haven’t done anything for the credit bureaus to be happy about. Like prove reliability (no I will not try and default). But My credit score seems decent I’m wondering how thats possible (no not complaining).
P.S. This is my first ever loan that even includes credit cards.
Wait I’m still very very confused. You answer No but at the same time I have a better credit score then the average person and I didnt do anything lol. So Is it just me or Am I lost?
Whgat I dont get is am I special lol or is that anyone. Is any college student who took out just a federal loan and not even began paying it back is with this score (approximately). I dont know if thats the general rules like anybody in my situation or this is somehow a shock lol