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.
Reputation: 6601. The fastest way to improve your credit scores is to object to every adverse item on each of the three reports, separately, and on paper, not online. Every credit item that they can't verify within 30 days (60 days if requested by the creditor) must be removed.eputation: 6601. The fastest way to improve your credit scores is to object to every adverse item on each of the three reports, separately, and on paper, not online. Every credit item that they can't verify within 30 days (60 days if requested by the creditor) must be removed.