For example, a borrower who has had credit for less than two years represents a relatively higher risk than someone who has had credit for five years or more. But, having a relatively brief credit history does not automatically mean higher risk. What carries the most weight is how people pay their bills and how extended they are on their available credit. For example, one score may qualify you for a gold credit card, whereas another score may indicate you're a better match for a standard card. Scoring systems have varying numeric scales.
Scores are dynamic and change when new information is added to the credit file.
Also, lenders use different types of scores with varying numeric scales. In addition, other factors, like application information, impact lenders' credit decisions. Remember, what's considered an acceptable score varies from lender to lender depending on the loan or credit card applied for. Scores reflect credit payment patterns over time with more emphasis on recent information. Delinquent payments and collections can have a major negative impact on a score.