True that, Julio.... and i am 'one of the six' who is being sincere, at best....

Jaimecbr900 can vouch on my score before i purchased my house. It was already in the mid 700's averaging about 750 or so.

Since then it has jumped considerably. One of them was over 800 last i checked (about 814 or so). I need to check the other ones and get the average. It is all about managing credit, folks. I am by no definition rich or a baller. But i am very responsible.

You will be amazed at the little things that you can do to improve your credit. Always, ALWAYS pay on time. Pay at LEAST your minimum or more than that. Keep some credit cards open, but don't use them (I have a BOA platinum card with 5k credit that i never used), but also 'use' one of your credit cards but show responsibility in payment (I have an amex blue which I use for my work travels and also bills and stuff with an 18.8 k credit limit. I also have an Amex Platinum).

And to think, at one point, in my 20's , I have raked up about 15.000 in debt, and was considering doing one of those Payment consolidation reduction things. But i made a commitment to pay it off. It hurt my wallet, and i had to eat scraps for a couple of years, but it also helped my credit since then.

I also have extensive apartment rental records and utilities in my name which were also always paid on time

I am also 34 years old and have established credit when I was about 21 or so and had to 'finance' my graduation class ring... lol.