If you do not use credit cards you won’t be able to get your score above 620 – simply because you don’t have credit card history.

In this case, the best way to raise your scores is to get 2 credit cards and spend 20% of the limit, then pay it off completely when you get the bill; repeat that every month.

I suggest getting the first 2 cards on this list:

• • The First Progress Platinum Elite MasterCard® Secured Credit Card
  • Capital Bank – OpenSky® Secured Visa ® Credit Card