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The factor that has the greatest impact on your credit score is
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The factor that has the greatest impact on your credit score is

User Nobuyuki
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Payment History, late payments, None payments 
User Choldgraf
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Payment history, along with public records account for about 35% of your score. Late payments on your current and previous credit accounts generally lower your score.
That should answer your question.
User Andy Donegan
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