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Your application will be approved with 100% chance, despite of your bad credit or other issues.

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Your credit score and credit report are separate from one another.

Your report is your entire credit history of all your installment (loan) and revolving (credit card) accounts.

Your credit score on the other hand, is a number calculated from your credit history that shows where you stand in terms of credit health.

Experian uses the FICO Score 8, which ranges from 300 to 850.

Equifax calculates your credit score on a range from 280-850 while Trans Union, rather than using a FICO model, uses the Vantage Score 3.0 which also ranges from 300-850.

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