Answer: Payment history and the total debt.
Step-by-step explanation:
The payment history and the total debt are the main factors that affects the credit score most as the payment history is one of the important factor that affects in the report of the credit.
The credit score can be determined by the different types of the categories of the data in the given credit report. The credit score should be 30% in the form of total amount of the debt. The credit history and the account mix are also the factor that affects the credit score.