Yeah that's why I really don't pay attention to it. Plus the fact that it is so easily gamed: if a party wanted to (such as a realtor or someone else with acces

Yeah that's why I really don't pay attention to it. Plus the fact that it is so easily gamed: if a party wanted to (such as a realtor or someone else with access), they could just run hard credit checks on you all day and tank your score. To illustrate how fucked it is, I use a credit tracking app from my bank and it consistently reports scores of 700 and above yet I've had realtors tell me they weren't sure if I could get an apartment because of my credit score - showing up with enough cash for the first six months of payments quickly resolved that issue.