One fact has led me to believe that credit scores are fucked up in this country. I moved back to the USA last summer after 10 years living in England. One of the first things I needed was a new vehicle (I wanted a full size pickup). I had no income, no house, was living with my parents in law and no credit history in the US for over a decade. The truck was $23k, but I was told I could get an extra $1k off if I financed a part of the purchase price and that the minimum I could finance was $6k. I said OK let's do this and so they ran a credit check on me. My score came back at 806. No income. No house. No apparent assets. No credit history. 806. WTF? No wonder the housing market collapsed if it was that easy to get credit.