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.
Pay off your credit card balance. This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio.