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.
2. Request a credit line increase. Increasing your credit line will improve your credit utilization ratio, which is the percentage of your credit limit youâve used, and help your credit score. Many credit card issuers give you the option to request a credit line increase without a credit inquiry.Take it.ncreasing your credit line will improve your credit utilization ratio, which is the percentage of your credit limit youâve used, and help your credit score. Many credit card issuers give you the option to request a credit line increase without a credit inquiry.