Your number is determined by five factors combined to calculate your personal score. Even if your score is lower than desired, don't give up. With a little clarity and focus, a lot can be done to make things better..
This looks at what types of credit you have.
New applications for credit might cause you to be risky and lower your score.
How long your accounts have been open. If you are going to close an account, DO NOT close the oldest.
How active EACH of your accounts are will affect this portion of your score.
Making sure that you have your payments in full and on time.