It’s also just for Experian, and not all lenders take it into account. If your lender prefers to use Transunion for example, then it doesn’t mean shit.

Source: I had a 750+ score according to Experian with boost, but Transunion had me at blank due to using a debit card only for 15 years and paying off all my debt. Chase wouldn’t give me a card because they only wanted to pull from Transunion, and they didn’t give a crap about Experian.