https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049407#M260059 <P>Honestly, some of those reports are not useful. I would go by this instead:</P><P>&nbsp;</P><P><A href="http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#U718550" target="_blank">http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#U718550</A> (longer version/explanations here)</P><P>&nbsp;</P><P><STRONG><U>How is my score calculated?</U>&nbsp;<BR /></STRONG></P><P>&nbsp;</P><P>&nbsp;-35%&nbsp; Payment History.</P><P><BR />-30% Utilization.</P><P><BR />-15% Established History.<BR /><BR />-10% Inquiries.</P><P><BR />-10% Mix of Credit.</P><P>&nbsp;</P><P>I have USAA as well and some of the "Factors affecting credit score" stuff is ridiculous. Example: Mine says I got dinged for having three or more installment loans; not necessarily problematic in terms of my FICO score. Some of that information is just not helpful.</P> Wed, 10 Apr 2013 16:12:07 GMT InvincibleSummer3 2013-04-10T16:12:07Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049381#M260055 <P>I have seen many comments on threads about "FICO shows this item hurts my scrore the most" or making reference to a report that shows what is the most damaging to their scores...</P><P>What shows this and how can I find what is affecting my score the most?&nbsp;<BR /><BR />I have Scorewatch and I have USAA 3-in-1 reports per month.</P> Wed, 10 Apr 2013 16:02:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049381#M260055 Anonymous 2013-04-10T16:02:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049391#M260058 <P>I could be wrong but I think you get those with the reports from the CRAs.</P> Wed, 10 Apr 2013 16:08:15 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049391#M260058 Anonymous 2013-04-10T16:08:15Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049407#M260059 <P>Honestly, some of those reports are not useful. I would go by this instead:</P><P>&nbsp;</P><P><A href="http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#U718550" target="_blank">http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#U718550</A> (longer version/explanations here)</P><P>&nbsp;</P><P><STRONG><U>How is my score calculated?</U>&nbsp;<BR /></STRONG></P><P>&nbsp;</P><P>&nbsp;-35%&nbsp; Payment History.</P><P><BR />-30% Utilization.</P><P><BR />-15% Established History.<BR /><BR />-10% Inquiries.</P><P><BR />-10% Mix of Credit.</P><P>&nbsp;</P><P>I have USAA as well and some of the "Factors affecting credit score" stuff is ridiculous. Example: Mine says I got dinged for having three or more installment loans; not necessarily problematic in terms of my FICO score. Some of that information is just not helpful.</P> Wed, 10 Apr 2013 16:12:07 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049407#M260059 InvincibleSummer3 2013-04-10T16:12:07Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049431#M260065 <P>+1</P><P>&nbsp;</P> Wed, 10 Apr 2013 16:18:41 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049431#M260065 HiLine 2013-04-10T16:18:41Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049463#M260067 <P>I was looking more for what accounts weigh your score down the most. Like some people seem to have a way, some report or something, showing them which collections, TL's are the worst for their scores....</P><P>&nbsp;</P><P>???</P> Wed, 10 Apr 2013 16:27:06 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049463#M260067 Anonymous 2013-04-10T16:27:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049473#M260068 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I could be wrong but I think you get those with the reports from the CRAs.</P><HR /></BLOCKQUOTE><P>Not really.</P><P>&nbsp;</P><P>For the most part the thing OP's talking about is what you get when you by a powescore from here (myFICO). &nbsp;You get factors that help and hurt your score list on them.</P> Wed, 10 Apr 2013 16:33:56 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049473#M260068 Anonymous 2013-04-10T16:33:56Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049485#M260069 <P>Ok.&nbsp; I wasn't too sure as I have only used the 3 - 1 from EQ.</P> Wed, 10 Apr 2013 16:37:02 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-know-what-affects-your-FICO-the-most/m-p/2049485#M260069 Anonymous 2013-04-10T16:37:02Z