Better credit rating can be done

Your Credit Rating score is also marginally affected by the types of Credit you’ve used and the number of inquiries made regarding your Credit score. Creditors would rather see that you’ve a healthy mix of Credit lines in your report rather than one long list of Credit Rating cards under your name. They’ll also choose to see that only a few individuals were interested enough to know about your Credit Rating

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report.

Maybe It’s Not Your Fault
Credit bureaus are not without errors. Sometimes, due to numerous circumstances, your Credit Rating report might contain erroneous and invalid items. This may be because you share the same name with other people or their databases haven’t been properly updated yet.