In all fairness I’ll be honest as OP, my score just fell to 667 because i have I think 8k in private loans and this & last semester are all my own private and federal loans bc I didn’t get any help from parents 🫩 that’s why I’ve been a bit curious about people and their credit being young still, it’ll get better for me one day, the only thing I consider about it is hoping it doesn’t effect me too badly trying to get approved for apts post grad just starting working

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mine is 673 as a 21yro in college. i opened my first bank account when i was 20, got my first credit card when i was 21, have student loans from fafsa since i was 18, and my parents never did anything to impact my score so i didn’t have one until i took out the student loans at 18. i’ve been using my credit card to pay for everything since i got it like 2 months ago and always pay it all off before the due date to build it but other than that idk what to do to build it

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I’ve been an authorized user since I was 16 and that’s still my only line of credit, my credit score is 730

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