I suggest you list for the folks here every open account that is on your report. That means every card, loan, etc. I'd do it like like this:
REVOLVING ACCOUNTS (credit cards, etc.):
Card 1. Current balance = ____ Credit Limit = _____ Date Opened = _____
Card 2. Current balance = ____ Credit Limit = _____ Date Opened = _____
Card 3. Current balance = ____ Credit Limit = _____ Date Opened = _____
INSTALLMENT ACCOUNTS (loans, car leases, etc.)
Loan 1. Current balance = ____ Original loan amount = _____ Date Opened = _____
Loan 2. Current balance = ____ Original loan amount = _____ Date Opened = _____
Loan 3. Current balance = ____ Original loan amount = _____ Date Opened = _____
Then list all closed accounts, but only if there is a positive balance or a derog attached to it.
BTW, you use the word "report" in two different ways. You use it correctly when you use it to mean a big list of all your accounts. That would be like your Equifax report or your TransUnion report. You also use it to mean an item on the report, like a derog or a loan or credit card. This latter way of using it will confuse people. You can't have a report on the report. You can, however, have an account on the report, or a Day 30 late, an inquiry, etc.
As far as you learning how to compute your own score, there's no way you can do that, since the scoring models are a trade secret owned by FICO. But if you list your accounts people here can help you understand what is holding your score back.
I also suggest you tell people here where you are getting your scores.
