<prompt> Human: I just looked at my credit score for the first time ever expecting it to be fairly high. I was hit in the face with a poor 570 score.I dont understand why its so low. Ive had a gross income of about 90kyear for the past 2 years, I have 25k in my chequing account, 15k in my IRA. No debt whatsoever. And only 1 credit card which I pretty much use as a chequing account.Ive had minimal debt because of student loans in the past but its always been payed quick and on time. I dont own a house nor a car or any kind of liability, no dependents either.Then why is it so low? Common sense, would tell me that a lender would want to give me a loan since I have a high income, savings and no liabilities.Id appreciate any tips on improving my score as I intend to buy investment property in the near future.Thanks,  <response>: Look at your credit report. 