Raising your credit isn't just being responsible with one line of credit..although that is great to do. Opening lots of lines or at least 1 or 2 every few years and staying responsible with all of them really raises your score. Note: Don't open to many inquiries within a 2 year period, this may lower your score. Let some fall off before opening more. Let's say for credit cards..you get 5 or 6 over the course of many years and only spending at least one third or less of your limit and paying them off monthly on the due date. That's a good view and managing your money and you are establishing credit. You can also establish credit by taking out loans, such as a car lease or a mortgage. With these larger debts you want to be be sure you are on time or early with all your payments. Paying of any debt is also a great way to raise your score. Establishing credit takes time, hang in there! ... View more