816 is very high, I think the highest is 850. You should have no problem getting a loan or a credit card or an apartment, or whatever you want. I am shocked that is considered a B rating. Any score above 800 is pretty stellar. You could get a report of your credit (sometimes you can get this free from equifax or one of the others) and see what “bad mark” you might have, some can be cleared up. You may have done nothing wrong, some of it is based on rations of credit available, and other things. I wouldn’t do it out of any worry for not getting approved for something, but it is interesting to see your own credit report. Sometimes there are things on there you don’t recognize that were reported to your credit, but is not your history. Or, a credit card you no longer use might have some crazy $35 charge on it you are not aware of.