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.
Below are some ways to improve a credit score quickly. First, though, to get a sense of how soon and how much you might improve your credit score, know that it's recalculated every time someone requests a look at it. According to the folks at credit agency Experian: Your credit history is being updated continuously.