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.
Tips for Improving your Credit Score. If you want to improve your credit score, itâs a good idea to approach your efforts systematically. Here are some tips that can help you improve your credit score: 1  Pay your bills on time. 2  Payment history is the most important aspect of your credit score.3  Late payments are one of the biggest hits to your credit score. 4  If you pay late repeatedly, you are likely to see a rapid decrease in your score. Payment history is the most important aspect of your credit score. 2  Late payments are one of the biggest hits to your credit score. 3  If you pay late repeatedly, you are likely to see a rapid decrease in your score. 4  Keep your debt balances low. 5  Donât max out your credit cards.