You eliminated your only installment loan or revolving debt

Increased your overall credit utilization

lowered the average age of your account

Increase your credit score after paying off a loan

Maintain a positive payment history

Diversify your credit portfolio

Reduce your credit utilization ratio

Apply for new credit

FICO scores are determined by five categories:

payment history (35 percent),  credit utilization/amounts owed (30 percent)

FICO scores are determined by five categories:  length of credit history (15 percent), credit mix (10 percent)

FICO scores are determined by five categories:  new credit (10 percent).