Banks aren’t that strict about super high credit scores. You can have a low score and they’d still give you a loan as long as it’s not absurdly low and you don’t have a bunch of other outstanding loans and you have an income. At least in my experience, my “credit” was basically one credit card I owned for a year and the bank still gave me a loan for a house. I would not bother to stress too much about the specific number. If your credit score is so low you won’t be able to secure a loan, you’d probably know without looking anyways. Just make sure you at least have one credit card because otherwise you might not have any credit at all which can make it hard to secure a loan.