Before you treat your discrete variables as categorical, consider whether you should at least evaluate the linear component by treating it as continuous. For variables with partial orderings, or with both linear and nonlinear components, consider combining continuous and categorical variables together.
Believe it or not, your credit score will be higher if you have 6-10 credit accounts than if you have just one or two. Here are action items to consider to improve this section of your credit report: 1  Pay on time. 2  Credit cards. 3  Utility bills. 4  Library dues.
Learn the steps you can take to improve your credit score, from checking your credit reports for errors to opening a secured credit card. There are a number of ways to improve your credit score â from paying down debts to maintaining a low credit utilization ratio. A secured cardâs credit limit is tied â dollar for dollar â to the amount of your security deposit, which you can increase by as much as you want whenever you have some extra cash in hand. 2  While the rate your credit score will improve is based on many factors, there are steps that you can take to expedite the process.