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.
Feedback. Feedback. If your credit score is low and there arenât any errors on your report, there are several steps you can take to improve your credit score. But there is no quick fix: improving your score is largely a matter of time (so donât let it go south in the first place!).1  Keep your credit utilization below 25%. 2  Pay down your credit cards to at most 25% of their limit. 3  Your credit utilization for each account is relevant, as well as your overall debt-to-credit ratio.ut there is no quick fix: improving your score is largely a matter of time (so donât let it go south in the first place!). 1  Keep your credit utilization below 25%. 2  Pay down your credit cards to at most 25% of their limit. 3  Your credit utilization for each account is relevant, as well as your overall debt-to-credit ratio.