Question for this university student who has saved up and would like to start mortgaging a house next year. I have a 715 credit score. a vehicle loan of about $3,500 college card I owe $2,000 a card I owe $1,700 for flights ( that I and sister are paying) and two other cards I owe about $500 on.

how can I increase my credit score other than keeping my woes under 50%, paying on time and paying more than minimum?