Hi Eliza, Each lender qualifies you differently using their own risk criteria and formulas. However credit scores are usually fixed in terms of number and often the number itself is what matters, not the history. Credit scores are created by a formula that weights things from your history in different ways. One idea is to try to boost your score using our credit guide, get things removed that are erroneous and also pay attention to the amount of credit you have versus how much credit you have used. That ratio is very important to your credit score in particular. So, accept the past but look to boost it in whatever ways that you can.