➡️ FOLLOW TO INCREASE YOUR CREDIT SCORE ✅ So, how is a credit score calculated? Here's a breakdown:Payment history (35% of total score): This is the most important factor in determining your credit score. It includes information about your past and current payments, including any late payments, bankruptcies, or collections. Lenders want to see that you have a history of making timely payments, so it's important to pay all your bills on time.Credit utilization (30% of total score): This refers to