It's worth mentioning there is no such thing as "your credit score" rather there are a zillion different numbers that are all credit scores. Equifax, TransUnion, Experion, etc., all like to make up endless variations on the credit score and offer their customers a whole array of scores to choose from. Major lendors routinely make up their own credit scores based on their own idea of what is important.
It is part of the etiquette of the credit industry that every institution sneers at everyone else's credit scores and proudly brags about how much better their own home grown variant of the credit score is.
Anyway, the automated credit scores only really matter in the least important credit transactions. If you sign up for a cellphone, open an account with a gas utility, subcribe to cable tv, etc., then an automated decision based on some credit score will be made to determine whether or not you will have to pay a deposit.
The middle ground would be financing for consumer goods such as motorcycles, furniture purchases, and the like, where small amounts of money are lended for goods with real value. In these cases you stand some chance of being automatically approved or declined if your score is really high or really low, but generally, a human credit officer will review the decision looking at all the details on your credit report (though, maybe not very carefully).
For more important credit decisions the score is pretty much irrelevant. Before a bank extends a sizeable loan to you, or a mortgage, or gives you a credit card with a substantial limit, they will have a human credit officer read through your credit report in detail. The credit officer will certainly see your various scores, but they will also see the bigger picture and make a decision based hopefully on common sense and industry practice.
In the end whether you have "good credit" or "bad credit" is subjective. Different lendors use different score numbers, and in important situations, it's a human judgement call anyway. You should work to keep your credit file clear of any serious problems like overdue accounts or repeatedly late payments--but a few minor marks will never hurt you when the chips are down. At most a bunch of minor problems with your credit file would lead to you having to pay a deposit to your gas company where your neighbour didn't have to, or some such.
