The site likely has their own site specific procedure on credit and the amount of credit they beleive is derogatory. If yours is truly $900, I don’t foresee you having an issue. What can be an issue is if they are seeing credit issues on ur report that u didn’t report at the time, which is a reflection of your trustworthy and reliability. If the truth is as you say, you shouldn’t have an issue. If you do get denied, I would request your access files, their procedure, review them, and file an appeal.