If you want to improve your credit score buy something that offers GE credit, or any credit company that reports monthly to the credit bureau. that you have 1 or 2 years to pay for with no interest. Then set the payments up on your computer so each month the payment is made exactly on time. You can make the payment higher so it is paid off by the end of the time allowed. Don't pay if off in full till the end. This should bring your score up.Hope this helped.