Considering a family member cratered my credit score because I co-signed for a lousy $4000 car loan as was never notified when the payments were not kept up, it didn’t look too bad when I checked it recently. Without that crap it would have been 800 easy, but right now I am only in the 72nd percentile. No more money to family members.
Wouldn’t we all love to know how they calculate this stuff?
Wayne's Whirled 
774 is very ominous. If you subtract one from each of the first two digits and add them back into the last digit you get ‘666’.
If that’s not enough….enter ‘774’ into your old calculator and turn it upside down. Uh huh, that’s right, ‘HLL’. One vowel away from your certain destination if you do not repent now.