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.
To help improve your credit score, keep your debt under control: 1  Pay your balance in full each month to minimize interest charges. 2  If you can't pay in full, pay as much as you can. 3  If money is tight, try paying the amount of new charges plus the interest charge. 4  This will at least keep your balance from growing.