Anyone here understand credit scoring? I understand how they work in principle, but one thing has always surprised me a bit. I lived in the US from 94-98. When I left, I have no idea what my credit rating was but I guess it wasn't bad. I then moved back to the UK for a decade, during which time I had no US bank account, no US credit cards, no US income and completed no US tax returns. However, I did have a credit card that I had forgotten to pay off before I left, that had gone into default by the time they tracked me down in England six months later, and that I then paid off from England. About 2 weeks after I moved back here in 2008, I wanted to buy a full size pickup. I got a good 'Friends and Family' deal on a RAM 1500 and was going to buy it for cash, but the salesman told me I could get an extra $1000 off if I financed it (the minimum I could finance to qualify was $6K) and that I could pay it off after a month with no penalty, thereby not paying any interest. So I agreed to pay about $17,000 cash and finance the rest. He ran a credit chack on me (which I expected to come back not approved - after all I had only been back for 2 weeks and had no job, no house and no wage slips that I could show). My credit score came back at 806. I have since learned that this is a pretty good score. How is that possible? It makes me think that the whole credit score system is pretty fucked up if someone like me, given those circumstances, can get an 806. Anyone care to offer an opinion of why this should be, or have any similar stories?