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.
Monitor your credit and identity. Choose from three enhanced plans for. peace of mind and security. Taking steps to gain knowledge of how credit works can help you make better decisions, which could lead to better credit outcomes. CreditCheck Â® products by ConsumerInfo.com, Inc., an Experian company, were designed specifically for USAA members to provide the insight needed to understand your credit.