My credit score is 823. I have two credit cards for 40+ years and several others. I NEVER miss payments; pay in full as often as possible or carry balances of less than $1k; have satisfied an unsecured, 3-year loan at low interest; and paid off a 5-year car loan in 25 payments. Judicious use of credit is the key to success. Learn FAST the difference between WANT and NEED and you will never have any problem building/protecting good credit!
