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.
âThe best way to improve your score is to use credit responsibly,â says Cynthia Saltzman, head of the Department of Economics at Widener University. âSome advisors recommend that you have a revolving account (credit card) and you do not charge more than 30 to 40% of your credit limit, with 10% being even better.