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8 January, 15:53

The factor that had the greatest impact on your credit score is

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  1. 8 January, 17:46
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    Payment history. This, along with public records (see below), generally accounts for approximately 35% of your score. A record of late payments on your current and past credit accounts will typically lower your score. Being consistent about paying on time can, over time, have a positive impact on your score.
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