How do I get my credit score up?

philanthropy and giving
When you credit utilization gets below 30%, you should see an increase in your credit score. 

To figure this out, add up all your available credit lines including any home equity lines. If you don't know what these amounts are, your monthly statements will have them or you can use Credit Karma, it's free.

mastercard 20,000
visa 15,000
home equity line of credit 25,000

then add up all your debt:

Divide your debt by your total available credit.
10,000 / 60,000 = .16 So this is 16% 

When this number is below 30% you will see an increase in your credit score. It's usually not immediate but it will happen.