No, they don’t make a difference. Generally credit scores falls in wide bands that give a general credit risk. 573 vs 605 are both very high risk and you’re g

No, they don’t make a difference. Generally credit scores falls in wide bands that give a general credit risk. 573 vs 605 are both very high risk and you’re getting slammed regardless. The scores are no more arbitrary than the requirement that bankruptcies roll off your score after 7 years. It’s not 6 years, or 6 years and 364 days, it’s 7 years and yes being on either side has a massive impact.