Credit scoring models are attempting to predict the likelihood that you may become delinquent in the future – NOT the past! They already know what you’ve done in the past by what they see on your credit report. That’s why it is so critical that unverifiable bad credit be either corrected or deleted!
Likewise, it is essential that you show that you are managing your current credit responsibly. If you do not have any open current credit, you may need to start showing you can handle good current.