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.
A good way to improve your score is to eliminate nuisance balances, says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. Those are the small balances you have on a number of credit cards.ne of the ways to improve your credit score: Leave old debt and good accounts on as long as possible, says Ulzheimer. This is also a good reason not to close old accounts where you've had a solid repayment record.