Answer
Your payment history and your amount of debt has the largest impact on your credit score.
Step-by-step explanation
A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. Lenders or those who makes funds available with the expectation that the funds will be repaid, plus any interest uses credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits.Your payment history is one piece of information used in calculating your FICO Scores.