<prompt> Human: i opened an experian account just out of curiosity and wasnt given a score when i started. about a month later they email me saying i now have a credit score, i check and its 661 which in their range puts in the fairgood category, just above poor.from my understanding you need to have opened a credit card account in order to have a score. i exclusively use a debit. i have a loan opened in my name for college which my parents pay on time, so i dont understand why my score isnt perfect. i know nothing about credit scores so i may be misunderstanding something but my assumption was your score starts at the top and then decreases as you miss payments, etc  <response>: i have a loan opened in my name for college which my parents pay on time,This is why you have a scorei dont understand why my score isnt perfect. i know nothing about credit scores so i may be misunderstanding something but my assumption was your score starts at the top and then decreases as you miss payments, etcYour score starts low and builds up from there based on payment history, credit utilization and how long youve had the debt.x200B; 