<prompt> Human: I recently applied to rent a house, and discovered that my credit score is 815. I havent done anything to cause bad credit, so Im not expecting to have bad credit, but Ive been looking at a lot of credit scores from people at lendingclub.com, specifically in the Grade A loans, and Ive noticed that I have a higher credit score than people who make twice as much as I do, have a very low debt to income ratio, and have no delinquencies on their credit report. This seems really strange to me. I make 110k per year, and previously owned a home that I lost to my ex in a divorce, so I now have no debt at all. Ive got three credit cards that I pay off every month. Sure it seems reasonable given my circumstances that I would have decent credit, but Im really confused as to why my score is so high.  <response>: As was mentioned, credit has nothing to do with how much money you have, how wealthy you are in general or anything like that.Its possible to be in terrible financial shape with amazing credit and great financial shape with terrible credit. Though yes, they are usually correlated.Credit scores just measure how much of a risk you are to pay back a loan, if you have a history of always paying things, then thats where you get it.But say a wealthy person makes a strategic default, they will have terrible credit. A person who is far too overextended in debt but ALWAYS makes their payment will have excellent credit thats exactly what lenders want 