I was curious and the score rating as my daughter has a score of 720? and i have 797? As she lives of credit (cards) all her life and Institutions love her for it! She has had 6 car loans when she could of bought 1 car to last for about 4-7 yrs, But she's the one who likes to keep up with the trend and thrive of today's standards of living of credit as she feels like she's rich? And i work and my wife is on the Pension and we still scrape by day to day and week to week and some days she's crying poor sometimes ,But she has time to go away willy nilly etc...... And she' 42 yrs old claiming Centrelink and working whatever hours here and there And still Whinging........