Considering that the big thing you hear about are credit scores, you may think that that matters more to lenders than anything else. That’s not true. Lenders actually take a deeper look at your credit report to determine your creditworthiness. Your credit report shows the details that other lenders have submitted on your report such as late payment history.
When lenders are looking at your credit report, they are considering a lot of things including advanced analytics provided by the credit bureaus. They are also judging your credit worthiness against other debtors in similar demographics.
Your best bet is to review your own credit report frequently so you’ll know what lenders are also looking at.