It's a common misconception that having just one vector on your credit report will negatively impact your credit score. However, this is not the case. While having multiple vectors can be indicative of financial instability, having just one vector does not automatically mean you're a high-risk borrower. In fact, there are many factors that go into calculating your credit score, and the presence of a single vector is not necessarily cause for alarm. So if you're wondering whether or not vector one can affect your credit, the answer is no - but it's always important to keep an eye on your overall credit health to ensure a strong score.