Today I went to get pre-approved for a home loan (I'm through with renting; I want a place of my own). Now, I knew I had decent credit, because I'd not made any terrible credit mistakes, I've paid my student loans on time, and so forth. But while I'd checked my credit report, it didn't include my credit rating. I saw it for the first time today.
I'm 26 years old, I've never owned a house or a vehicle, and yet I have a credit rating of over 800.