Hey all,
Really sorry about the typo I had. I read your replies and almost crapped myself. I was always told my credit was really good for my age. I went and found the report and it says
Beacon 5.0 Score (Auto Finance) 751.
I'm guessing this may change the answers I receive I'm very sorry for my mixup. Definitely glad I figured out what it actually is as 640 is quite low....Sorry again!