Taking into consideration what you have learned from the report and from the textbook, what things can you do to increase your score?

Call a mortgage broker (check on line), ask them what credit scores they need as a minimum to qualify for a mortgage to buy a home nowadays. Ask them what different levels of credit scores are needed to qualify for the better rates available for mortgages today? Ask them if your credit score would be a help or a hindrance in obtaining a mortgage?

Call your bank and ask the same questions about a car loan.

Please note that different banks may have different credit score cutoffs to qualify for different interest rates.