I was up to my neck in debt when I got out of college. I began working with a credit councelling company and just this month paid off my last delinquent credit card! Im thrilled, but now I need advice on how to improve my score. According to my equifax credit report it is “Fair.” I still have student loans and I have 1 major credit card and one dept store card currently open. I set the limits very low ($ 300) and have been paying them off immediately after using them. Any advice on how 2 raise my score would be much appreciated!