u/Scalert10

This question comes from the perspective of being good with finances, but not strongly literate in the credit space.

To have a better idea of where I come from asking this, I have:
- Never missed payments
- Have minimal accounts of debt (only student loans)
- Have little to no credit debt (less than 2K)
- Currently own 2 credits cards. One with a 14k limit and one with a 13.5k limit
- Oldest account with credit history is >7 years old
- Paid off 1 vehicle entirely
- Never purchased something major (house, new car, ect.)