However, your credit is affected by many things, such as late payments, judgments against you, delinquencies, high credit balances on multiple accounts, number of recent credit inquiries, etc.
No one single item will determine your credit score. Your credit report and credit score take into account positive as well as negative factors.
Anyone who has faced temporary difficulties, such as losing their home to a foreclosure, a bankruptcy, or late payments when they were out of a job can rebuild their credit.
It is important to keep all payments current, namely pay your bills on time once you have solved your financial difficulties. And, do not take on more credit that you can handle!
which is one of the sources from which to order your free credit report online.