<prompt> Human: Hi pf! I was just snooping around my credit card statements today and realized that my estimated by Discover credit score seemed unusually high, and has been for 6 months. As a background, I have had my credit card since 2012 when it started out as a student card. I am now 22 and the credit balance is only 1000 Im not sure if its still classified as a student card. I have no other lines of credit, no student loans, 2 checking accounts with low balances, and 10,000 in mutual funds that Ive been withdrawing to get through university along with working. Discover estimates my fico in the high 700s, which seems way too high for my single card with a low limit. Is there anything that would cause this inflation? Is it common for young people to have artificially high credit due to only utilizing small, manageable lines of credit?  <response>: With a 4 year old account that youve never been late on, its probable your score is actually in the 700s. 