<prompt> Human: I am currently planning on getting a mortgage for my first apartment and have looked at my credit score for the first time. I am lucky to have a 975 score on Experian even though I never really had any credit. I have had some bills to my name for the last 7 years and had financed 1 purchase which I paid off within 1 year for 0 interest 3 years ago.Do I need to get a credit card before I apply for a mortgage or does my credit score not need any building?  <response>: Dude. Experian scores only go up to 850. 