I leased my 3rd vehicle from KIA recently...

...while out on the Lot the Salesman asked me if I had a good Credit Score. I said, I think so, it's either Good or Fair, I'm sure. I said I have been paying KIA for 6 years so I think I'm OK. But I did not know for sure what my Credit Rating is...

A Credit Score can be arbitrary. No one really knows what factors are considered.

https://www.credit.com/credit-scores/what-is-a-good-credit-score/

Best advice I have heard is get a credit card regardless of the limit or Rate...

buy something on the credit card each month & make a payment that leaves a small balance.

Continue paying monthly and on time while maintaining a balance.

If you pay your entire balance each month you are not establishing a History of Credit.

just My 2 cents on that stuff...

but KIA did Lease me a Soul...