I didn't know I had good credit about 770 and now after opening new accounts and making a claim it went from excellent to good at like 720. Not sure how this stuff works. I thought I had no credit or bad credit like 500. Apparently I was born with a 750. I just started using credit this last Christmas for Christmas gifts. Debating If I should buy a expensive knife I been wanting. Anyone else buy expensive knives on credit? One I am looking at is $300.