If you don’t want to open more credit cards you could try to just get your credit limit raised on the card you already have. For instance if your credit limit is currently $5K on your visa, see if you can get it raised to $10K. Available credit is part of your score. That means credit available to you not currently being used. So, if your credit limit is $5K and you typically have a balance of $2K owed to the credit card, your being evaluated on the $3K remaining. If your limit was $10K then you would be evaluated on the $8K remaining, and your score should go up. Even if you always pay your credit cards off in full every month, the mount sitting on the card counts on any given day. So, even if you pay in full, that you currently have transactions not paid counts. It is not just about paying on time.