Question

Which is the most important factor that FICO uses to determine your credit score?(1 point)
Responses

payment history
payment history

amount owed
amount owed

new credit
new credit

credit mix
credit mix
GPT-4o mini
The most important factor that FICO uses to determine your credit score is **payment history**. This factor accounts for a significant portion of your overall credit score and reflects your track record of making payments on time.

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