It's also entirely possible for two people with vastly different credit history _lengths_ to have approximately the same score. In other words, a 25 year old with an "800" due to having had a CC for a few years and a car loan that they've kept up with is not the same as a 50 year old with 800 who has multiple CCs with high limits, has paid off two or three cars, has a mortgage, etc.

They're both considered "top" credit risks, but obviously one of the two people has demonstrated a longer history of being such trustworthy person to lend money to (also probably makes a lot more money than the other person to boot). It's not at all uncommon for people with "identical" credit scores to have different limits.

Now perhaps there's an argument to be made for more granularity in scores to make something like this more obvious, but it is what it is.