Hmm interesting, I've always heard from the employees who are trying to get me to sign up for some quote or loan or offer (they're biased yes) that it is only "

Hmm interesting, I've always heard from the employees who are trying to get me to sign up for some quote or loan or offer (they're biased yes) that it is only "a month or two". In my anecdotal experience, I only have one credit line (a $5,000 credit card), I make a big city software engineer's salary and I have no adverse events on my credit, no wife and no kids. My credit score is provided to me every month by my bank as a freebie, and it has fluctuated seemingly randomly between 785 and 815 for years now.