Apartment managers and landlords generally view
your entire credit report, not just the credit score.
Lenders usually look at an applicant's
entire credit report (s) when considering a loan application.
The importance of any factor (piece of information) depends on the information in
your entire credit report.
The credit bureaus could do the same for
your entire credit report, but choose not to.
The most recent 12 months are obviously the newest so they may be weighed more heavily than something on your report that occurred 5 years ago, but
your entire credit report will be reviewed.
It's much faster than going through
an entire credit report; all it takes is a quick look.
Even so, when an employer has to look at
an entire credit report, he or she must see the whole history — and possibly even see a statement you might have included about mitigating circumstances related to negative items on your credit report.
Bottom Line: Reviewing your credit report can save lenders and other creditors a lot of time, instead of reviewing
your entire credit report to determine your past payment history and likelihood of repaying your debt responsibly.
A soft credit inquiry won't necessarily reveal
your entire credit report, either.
FICO and VantageScore provide a peek into how you manage credit across the broad landscape of
your entire credit report.