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Rising Star
Most likely everyone here is using Vantage score, which isn't real or used by anyone. You need your actual score from the credit bureaus. If you apply for a credit card, mortgage, car loan, etc, none of them use Vantage.
My Vantage score is somewhere around 720 but my real scores when I get my credit pulled (which I have multiple times this year from all 3 bureaus) is around 810. Last year, my Vantage was saying 830 while my real score was 750~. So it is not reliable.
Remember, the actual scores you get from the credit bureaus if you’re pulling them from the credit bureaus isn’t your actual score either. The only way to get an actual score is to do a hard pull on credit.
OP: Your credit score is low. You should try to bring it up to the 800s.
Rising Star
That's Vantage, which isn't even your real credit score... Your real score could be 700 for all you know.
Also 731 isn't low lol
Usually around 775-800 but it’s been as high as 830 and as low as 675.
811 at the moment, but I've reached a point in life where the actual number isn't all that important.
Today it’s 788
814
25M - 765
Close to 800
812
831
Depends on the month, changes from 810-840 during the month. All balances are always paid in full monthly
812 today
765. Was hovering around 785-790 but took a hit with opening a new credit card