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.he following tips and rules of thumb should help as well: 1  The key factors that affect your credit score are your payment history, the length of your credit history, the amount of debt you have, and the percentage of credit you use in relation to the amount of credit that is available to you.