New credit affects your credit score the least.
What credit score do you start with?
Since everyone's credit journey is different, there's no one standard score everyone starts out with. You won't start with a score of zero, though. You simply won't have a score at all. That's because your credit scores aren't calculated until a lender or another entity requests it to determine your creditworthiness.
Which affects your credit score the most?
Payment history is the most important ingredient in credit scoring, and even one missed payment can have a negative impact on your score.
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