Bank says my 749 credit score isn’t real?

Bank says my 749 credit score isn't real? I opened a savings account at a credit union yesterday and they did a credit check and told me my credit score was 749 but that it wasn't "real" because I only have 3 open credit cards and that my real score is 620. He said if I opened another card that it would instantly become an actual 749. This seems sketchy as hell to me. Is this true? I've...

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