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In order to increase your credit score you have to keep doing what you are currently doing. Make sure you keep the balances on your credit cards low, it is recommended to keep balances on credit cards below 30% of the available amount. DO NOT CLOSE your credit cards, but keep low balances on them. That will increase your score. If you have no credit cards, because you don't like to get into debt, you might want to consider getting a "pre-paid credit card" that reports to the credit bureaus. All major banking institutions and credit unions have pre-paid credit cards. Those you deposit an amount into an account and you can use that amount on the card. Use it to pay your bills, bills that you would pay usually with your debit or bank account. Then once you get the bill, pay it and leave just a little bit on the balance. LOW BALANCES will increase your credit.Some banks will offer you to open a secure loan. Do not get in to one of those. It will not help you anytime soon. Actually a secure loan will hurt your debt to income ratio that is used to qualify you for a home.You can go into www.creditkarma.com that website is part of Trans Union, It is absolutely free, you don't need a credit card or make any payment to do it. It will direct you how to increase your credit score for free.
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For Sale: $99,900
For Sale: $89,900
For Sale: $166,000