What are the two most important factors in determining your credit score?

Payment history and debt to credit ratio are indeed the two most important factors in determining your credit score. Payment history accounts for a significant portion of the credit score calculations, reflecting how consistently an individual has made payments on time. This factor indicates reliability and one's ability to manage credit responsibly.

The debt to credit ratio, also known as credit utilization, is another critical factor. It measures the proportion of current credit balances to available credit limits. A lower ratio suggests that the individual is using credit wisely, which positively impacts the credit score, while a higher ratio may indicate over-reliance on credit, potentially lowering the score.

In contrast, while length of credit history, number of accounts, types of credit used, total debts, credit inquiries, and payment methods play roles in scoring, they do not hold as much weight as payment history and debt to credit ratio when it comes to the overall calculation of a credit score.