Janie and Richard are each applying for a car loan separately and are hoping to be approved for their loan based on their credit score. Richard has a FICO credit score of

$610$

and Janie has a FICO credit score of

$750$

$.$ If the length of their credit histories and the percentages of their on$-$time payments are approximately equal, who is more likely to be approved for the car loan, if anyone? Why?