what affects a credit score
1. Payment History. Your payment history accounts for 35% of your credit score â more than any other single factor. If you pay your bills on time and never miss a payment, you are rewarded and will do well in this category.If you have a history of missing payments or paying late, you will not.. Payment History. Your payment history accounts for 35% of your credit score â more than any other single factor. If you pay your bills on time and never miss a payment, you are rewarded and will do well in this category.