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That's absouletly true about your credit score above 700.
Order your credit report and score this way you'll know if something in your past { maybe something thats 6 years old} is somehow effecting it your score.
For me it was my old student loan, that I paid, but the company changed ownerships and never reported my payment to the new owners causing damage on my credit that I dod not know about till 5 years later.
Your credit report should tell you this. Then you can take steps yourself to get it deleted, or hire an attorney to do it for you. {only if there is serious damage}
I hope this was some help.
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Who in the Blue Hell are You?
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