 TITLE: What’s the Most Important Factor of Your Credit Score? CONTENT: The Bottom Line\n---------------\nBecause payment history is the most important factor in your FICO® Score, paying all your bills by the due date can go a long way to helping you build a positive credit history over time. To ensure your payment history and other aspects of your credit are in good shape, check your free credit score from Experian and regularly review your free Experian credit report. END