It really depends on what type of credit you are talking about. Home loan or Auto loan? Or are you looking for a new credit card? Many times credit card applications are scored by a computer using some type of scoring algorithm. The information used varies but generally includes payment history, credit to debt ratio, total debt, types of credit you have amongst other things. Payment history would include other types of current accounts that are not revolving like car loan payments. Home Loans and Auto loans would surely take a look at this information. So in short yes they do look at current accounts. It just depends if it is by a computer or a real person.