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.
Here are five ways to reduce your debt and improve your credit score. This is one of the fastest ways to improve your credit score, at least a little bit. Past due balances weigh heavily on your credit score. By paying them off, you can jumpstart your credit score quickly. While paying off very small past-due balances may not have much of a positive effect, paying off a larger balance, or several smaller ones, can jump your score by 20 or 30 points.