What affects credit score most?
The most important factor of your FICO® Score☉ , used by 90% of top lenders, is your payment history, or how you've managed your credit accounts. Close behind is the amounts owed—and more specifically how much of your available credit you're using—on your credit accounts. The three other factors carry less weight. What influences your credit score the most? Because payment history is the most important factor in making up your credit score, paying all your bills on time every month is critical to improving your credit.