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.
Youâve seen how much money you can save in interest rates with a higher credit score, but many people canât wait the time it takes to improve their scores before they need to get back on the road. A great shortcut to improving your credit score and getting a lower rate on a car loan is using a credit repair service.