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

User Shaydawg
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it is your payment history.
User Girish
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Payment history (35%) The first thing any lender wants to know is whether you've paid past credit accounts on time. This is one of the most important factors in a FICO® Score.
User Aaditya
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