Final answer:
The most influential factor that affects your credit score is payment history.
Step-by-step explanation:
The factor that influences your credit score more than any other factor is Payment history. Your payment history accounts for around 35% of your credit score and demonstrates how responsible you are in paying your bills on time. Late payments or defaults can have a significant negative impact on your credit score.
While the other factors listed also play a role in determining your credit score, payment history is considered the most influential. The length of credit history, amount owed, and types of credit are important as well, but they have a lesser impact compared to payment history.
For example, even if you have a long credit history with a mix of different credit types, if you consistently make late payments or fail to pay your bills, your credit score will still be negatively affected.
Learn more about Factors influencing credit score