You may start with your credit score analysis. There can be many reasons why your credit score wasn't higher. Once these reasons are identifed, you'll know the ways to improve your credit score. You may find one or more reasons on your credit report in the list below:

+ Amount owed on accounts is too high;
+ Delinquency on accounts;
+ Too few bank revolving accounts;
+ Too many bank or national revolving accounts;
+ Too many accounts with balances;
+ Consumer finance accounts;
+ Account payment history is too new to rate;
+ Too many inquiries in last 12 months;
+ Too many accounts opened in last 12 months;
+ Proportion of balances to credit limits is too high;
+ Amount owed on revolving accounts is too high;
+ Length of revolving credit history is too short;
+ Time since delinquent is too recent or unknown;
+ Length of credit history is too short;
+ Lack of recent bank revolving account information;
+ Number of accounts with delinquency;
+ Too few accounts currently paid as agreed;
+ Time since derogatory public record or collection;
+ Amount past due on accounts;
+ Serious delinquency, derogatory public record or collection;
+ Too many bank or national revolving accounts with balances;
+ Proportion of loan balances to loan amounts is too high;
+ Lack of recent installment loan information;
+ Date of last inquiry too recent;
+ Time since last account opening is too short;
+ Number of revolving accounts;
+ Number of established accounts;
+ Too few accounts with recent payment information.
+ And other reasons.