So, I'm 22, and in preparation for the budget coming out (I was hoping there would be some sort of house buying initiative coming out - yay I was right!) I decided to get my credit score. I know I can just buy one for £2, but I thought I'd give Experian 30 day free trial a go.

It takes about 5 days to get the pin number to access your actual score and report, and that arrived yesterday. When I looked at my score it was 992. Which is really fucking high, and I'm not sure why that is!

It said I had two positive points (low utilization of credit, and no recent searches on credit report) and two negative points (low credit limit, and revolving credit opened within the past 10 months). The reasons for for the two negative points is because I got my very first credit card in November, and it's got a pretty low limit. At the end of the summer the limit will go up, and then in October I'll have had it for more than ten months.

My question - how is it so high? I genuinely don't understand how I can have only just got a credit card it can be in the 900s?