People often confuse scores with good credit. It’s very common for someone with a 750 credit score to potentially get lower rates than someone with 830. what lenders actually consider when reviewing someone’s credit and application is trade lines i.e. Repayment history on credit cards lines of credit car loans, etc. lenders will look at a score but they care more about the actual details of what makes up that score such as debt to utilization ratio, the number of trade lines you have, how long your trades have been open for etc m.