How to know what affects your FICO the most?

[Anonymous]

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...

What shows this and how can I find what is affecting my score the most? 

I have Scorewatch and I have USAA 3-in-1 reports per month.

[Anonymous]

I could be wrong but I think you get those with the reports from the CRAs.

[InvincibleSummer3]

Honestly, some of those reports are not useful. I would go by this instead:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#U7185... (longer version/explanations here)

How is my score calculated? 

 -35%  Payment History.

-30% Utilization.

-15% Established History.

-10% Inquiries.

-10% Mix of Credit.

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.

[HiLine]

+1

[Anonymous]

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....

???

[Anonymous]

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@Anonymous wrote:

I could be wrong but I think you get those with the reports from the CRAs.

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Not really.

For the most part the thing OP's talking about is what you get when you by a powescore from here (myFICO).  You get factors that help and hurt your score list on them.

[Anonymous]

Ok.  I wasn't too sure as I have only used the 3 - 1 from EQ.