Way to improve is get a good credit mix:
1) Bank Cards (Visa, MC, AmEx)
2) Retail Cards (Target, JCPenney, Macys)
3) Installment Loans (Car, Mortgage, Personal)
Lastly, pay all of the above ON TIME EVERYTIME! One payment 30 days are more late will be put on the "Risk Factors" section your report for 3+ years! I know from experience! Forgot a car payment in Feb 2015 and it's been on my report for 3 yrs 9 mos.
