If your credit score is not quite what you want it to be, the first thing you should look at is your credit cards.
Do you have your credit cards maxed out? If so, you are losing a considerable amount of points. The credit scoring algorithm takes that as a sign that you are dependent on your credit cards for your daily living and therefore more of a credit risk.
Do you not have any credit cards opened up? Strangely enough, this is not a good thing either. The credit scoring algorithm wants to see that you're able to responsibly handle a mixture of different types of credit. A balanced approach of on-time payments to both installment accounts (car loans, signature loans, student loans) and revolving (credit cards, store cards) is what will help you maximize your credit score.
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