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The specific question is: Is my credit score of 766 lower than it should be?

Personally, I think this question is subjective as it depends on a variety of things. I myself think that is a decent score for someone fresh out of college, but I can easily see someone disagreeing with that assessment.

What do you think?

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I think a question title change might make this question better.

I can't think of quite the perfect wording, but the poster seems to be asking if they calculated their Fico score correctly. Namely, does their credit history support a score of 766.

Maybe:

  • Is my credit score accurately reflecting my credit history?
  • Are the credit bureaus calculating my score correctly?

Or maybe this is more of what the poster means:

  • Shouldn't my credit score be higher than 766 given my payment history?

Those are questions that maybe a loan officer or bank employee who sees credit scores on a regular basis may be able to answer objectively.

  • Good point, based on the accepted answer it seems that your interpretation is correct. – George Marian Aug 25 '10 at 2:02

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