But what are the top five factors that impact your credit score? Credit History Length: This is a lesser-known factor, and one that refers to how long you’ve held credit accounts. In general terms, the longer your credit history, the higher your average credit score. In general terms, the longer your credit history, the higher your average credit score. Your Unique Credit Mix: Those individuals with the very best credit scores tend to boast a diverse range of credit accounts, including a car loan, credit card mortgage and a student loan.