<prompt> Human: Can they see open balances? Concerned I wont be able to take out a loan despite my credit score of 731 due to the lack of credit history 4 years and total credit balance which just happens to be higher than usual at the moment.  <response>: 731 is perfect and we dont give you the loan, banks and or credit unions give you the loan. Calm down and buy a car.Edit: all that other stuff is of minor importance unless youre holding a million in debt and stupid levels of other issues. 