Mine's quite high..... well over 900, but that's without a credit card and timely bill and rent payment. I just gotta keep doing that, and I'll be all right. In fact, I need to set up my next Comcast bill payment and rent payments soon. Better do that before I leave tomorrow.
You can't have well over a 900 or even over 900 with FICO score. ( The main score 99% of people look at and what you will see checking your credit through Equifax, Experian or TransUnion. ) The maximum credit score you can have through FICO is 850. Also, it is nearly impossible to carry an 850 as revolving accounts ( credit cards ) and new loans lower your score before raising it.
Also, if you're renting an apartment as you've said in previous threads... those don't boost your credit. They only report if you default and are evicted, same with cable companies. See, you have credit credit, and you have utility credit, and even car insurance credit ratings. Your utility credit and car insurance credit are what places like Comcast and Geico consider your risk to be a prompt payer, determining your deposit. Some people with insurance companies have to put down 1st and last months insurance payment or 2 months, some don't. Same with cable and utilities, some have deposits and some don't depending on your utility credit rating. They do not report monthly payments ( apartments, utilities or car insurance ) to your credit score, they do not help you in any way. ( Except assuring you don't get evicted and that you have cable and electric ) Debit cards and having a bank account also does not help your credit score. Only if you go negative and fail to pay it does it hit your credit score negatively. However, it does not help it positively... It just doesn't.
So you see, the only way you could have "Well over 900" which I have to just tell you that you're full of beans, would be in your Vantage Score credit score. ( Which hardly ANYONE looks, checks or uses Vantagescore on credit checks or loan assessments, they use FICO. ) The max VantageScore credit is 990 and it is incredibly rare to have over a 950 Vantagescore rating. If you were to apply for a loan at a bank, they go off FICO, again... Vantagescore is known about and sure it's used, but it's not something that's used on a regular basis and won't even pop up on most credit check sites that you use. Even to have a score of 850 FICO is incredibly rare. Anything above an 830 is still considered incredibly hard to come by. You stated you've never had credit cards in previous threads and you go cash only and were considering cards. I will tell you right up front you have nowhere NEAR perfect credit if you haven't held at least one credit card in your life time for a minimum of two years. To have any significant credit assistance, you need 2 years of solid payments to make a difference. Even if you had a car loan and a co-signer to assist you in raising you score or "piggy backed" on someone else's credit card for assistance, it would still be impossible to pull off such a rating. To pull an 850 FICO or anywhere over a 950 Vantage, you'd have to have a minimum of 20 years credit history. Being you said you just hit 30, I don't really see this as possible. You should probably do some research before making such outrageous claims. I'm just going to have to say you're a liar liar pants on fire on this one. ( My best friend works as a senior loan officer for JP Morgan and Chase banks, I've spent a lot of time talking with her on this boring stuff. )
To get close to 850 (there is no guarantee of getting to 850), you need this:
0. Absolutely no negs (no lates, collections, public records, NOTHING),
1. Around 40 years of credit history,
2. A healthy mix of credit (Mortgage, more than 2 different unsecured credit cards, e.g. MC, V, D, Am3X),
3. Close to 800 perfect payment instances in your payment history. If you have 10 trade lines, and you utilize them regularly, and they each report "OK" every month, and you have been doing this for 7 years, you will get close to 800 OK payment instances ( 10*12*7 = 840),
4. High credit limits, low utilization. Balances on no more than 2-3 cards - my guess,
This was sent to me in an email from my friend asking about this. You have some mortgages and stuff hiding out there?
In case that wasn't enough, here's these for you to further prove your story is not true...
http://www.gobankingrates.com/credit/is-an-850-credit-score-possible/
http://www.nasdaq.com/personal-finance/achieve-the-perfect-850-credit-score.stm ( this says credit accounts open 10 or more years and a variety of loans such as mortgages, credit cards, loans ect. ect.
http://credit.about.com/od/creditscorebasics/f/What-Is-The-Maximum-Credit-Score.htm
I could go on, but I won't. I'm sorry that I had to go and get all lengthy on this... I just don't like when people throw stuff out there that's impossible to talk themselves up or make themselves seem all high and mighty or whatever. I prefer people be themselves, honest and a good person. You could have a crap credit score, and as long as you're honest and a good person, you're great in my book. No need to go fabricate stuff.
( Probably too paranoid, but I've worked incredibly hard on my credit score! ) 
