There are many factors that affect your score, but the biggest factor is time, unfortunately.
Just keep using credit responsibly, and your score will continue to improve.
The trick is to actually use credit, make payments on time, keep balances low (below half is fine), refrain from acquiring new credit accounts, and refrain from closing current accounts.
Next, just wait it out and your score will improve.
__________________
Knowing that death is certain and that the time of death is uncertain, what's the most important thing?
—Bhikkhuni Pema Chödrön
Humankind cannot bear very much reality.
—From "Burnt Norton," Four Quartets (1936), T. S. Eliot
|