A score alone does not directly do so. But there is a report attached that will track balances and such. While balance tracking has no "history" in a credit report, lenders can make actuarial guesses based on DTI and other markers which are absolutely included. Which is why, when denied, you don't just get told "Your score is too low" but things like "existing balances are too high", "age of existing accounts is too new", etc.