Answer: (B) Payment history
Step-by-step explanation:
The payment history is one of the most important scoring factor as it influences our credit scores. The credit score most influenced when the on time payment contain the long history and if one payment are get missed then it also shows negative impact in our payment history.
The missing payment can also effect the payment by increasing the unpaid bill and also effects our credit scores.
Therefore, Option (B) is correct as it most influenced our credit score as compared to all other options.