A year ago I purchased my first home. I am a subprime buyer and because of that I have made sure every single mortgage payment is on time. But one year later pulled my score and it has hardly risen at all! I still have a few items on my credit report but they are years old and total only about $ 700. Why hasnt my score risen? What can I do to increase the score because in one year my 2 year ARM is up and I want to refinance at a better rate.