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.
Can I improve my credit score? The best things you can do to keep your credit score up is to pay your bills on time and limit your debt payments to less than 20% of your income. Your credit report and credit score tell creditors how you manage money.Make sure that you do everything you can to keep your credit score high and your credit report cleanâit will save you money in the long run.an I improve my credit score? The best things you can do to keep your credit score up is to pay your bills on time and limit your debt payments to less than 20% of your income. Your credit report and credit score tell creditors how you manage money.