When a lender receives a FICO^® Score, "key score factors" are also delivered, which explain the top factors from the information in the credit report that affected the score. The order in which FICO^® Score factors are listed is important. The first indicates the area that most affected that particular FICO^® Score and the second is the next significant area. Knowing these score factors can help you better understand your financial health over time. However, if you already have a high FICO^® Score (usually in the mid-700s or higher), score factors are informative but, not as significant since they represent very marginal areas where your score was affected.