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.
In both cases, the higher your score, the better your terms â and the less youâll pay in interest. The Bottom Line. If youâre not feeling good about your credit score, there are ways to increase it. Read Best Ways To Repair Your Credit Score and 10 Ways To Improve Your Credit Report for tips.