What factors impact my credit score the most?

The five FICO score factors by weight: payment history (35%) — always pay on time; amounts owed (30%) — keep credit utilization below 30%, ideally under 10%; length of credit history (15%); credit mix (10%) — having different types like cards and loans helps; and new credit (10%) — opening many accounts quickly can temporarily lower your score. Payment history and utilization are the two levers with the most impact.