The credit score that an agency sells to you won't change, but that's just a tool for them to sell you things like Amazon are selling here, and doesn't reflect

The credit score that an agency sells to you won't change, but that's just a tool for them to sell you things like Amazon are selling here, and doesn't reflect the way a lender will look at the credit history, your salary, and the value of anything the loan is secured against to decide whether or not to lend to you.