I am not sure if they consider something prior to seven years ago but I can tell you they will certainly look at people who have multiple 7’s on their files. A comprehensive history is what I always looked at. Somebody who had a bankruptcy but paid all their car loans and neglected medical bills and credit cards were people who were most likely to pay. People who put cash down were more likely to pay. People who traded in an old rats nest of a car were much less likely to pay as they had no skin in the game. You can look at a persons credit history and make a pretty good determination of their credit worthiness and ability to pay. Sadly, computers take over so much of todays decision making.