The following link is to a good article on how to manage your credit score
Top 3 things:
1. 35% of score is dependent on whether you pay your bills on time.
2. 30% of score is your utilization rate (debt/available credit). Your credit card debt should be less than 30% of your total available credit.
3. 15% is based on your credit mix. Do you have installment loans (auto, home) and credit cards.
http://professional.wsj.com/article/SB10001424052702304451504576394093505289846.html?mod=WSJ_PersonalFinance_PF4&mg=reno-secaucus-wsj
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