Question

What factor has the biggest impact on a credit score

Answer 1

One answer is paying things past their due date, the later you pay the lower your score. Hope this helps! :)

Answer 2

Your payment history.

Explanation:

The factor that has the biggest impact on a credit score is your payment history

Your payment history makes up almost 35% of your FICO Score.

If you do not have a proper payment history or you are a defaulter, then you do not get good credit scores.

Good credit scores are required if you want to get nominal rates while asking for loans.