Inaccurate Credit history on reports?

I've had credit cards since 2005. Around 2017 I stopped using credit cards because I was going through a divorce and couldn't handle paying the credit card bills. I had some delinquent accounts which showed up as derogatory on my report. I eventually paid them off and started opening new accounts in 2021. Now my credit history is very short. Is this a mistake by the credit reporting agencies? There are people with history of 20-30 years ...