Just turned 25 how do I stack up against millennial counterparts

user, I...

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you two must have literally no history.

If you have utility and phone bills in your name and/or have a credit card, you have a credit score.

Not necessarily. Only some phone companies and utilities report. I worked in collections as a first job out of college and I pulled lots of peoples bureaus.

Nothing more pitiful than a creditcuck.
"gotta borrow money at high interest and build good credit so you can borrow more money later a slightly lower interest"

I've never taken out a loan other than student financing. Credit score is above 800. I just applied for a credit card at 18 and used it for everything, paying off every month so no interest accrued.

Great job but now it's diminishing returns

Not bad. but not super top tier. 26 here.

Honestly though, anything above 750 is goid enough for most creditors, 800 is a tad unrealistic for most people and requires you to be a good goy.

Im 42 and my score bounces around 800. I have a mortgage but no other debt.

BoA or JPM are the go too for many.