They’d understand the word, but not the modern meaning. Back then ‘scrolling’ meant exactly that and nothing more; to navigate up and down in a webpage by scrolling the viewport.

If - as a time traveller - you said to someone “I just spent all day scrolling” then you’d absolutely get a confused what-the-fuck response, because the modern meaning of “endlessly consuming Internet (social) media content” didn’t yet exist.

Getting sent unsolicited applications is a very different thing.

If you have a top credit score you won’t get as much unsolicited crap because someone who is financially healthy is not as profitable to companies as someone who is struggling a little. Sad truth.

But having a top credit score does mean you will generally be approved for the products you yourself search out and choose to apply for.