Just fallow these guide lines and it will lead you to a better credit score. It just takes time and responsibility. Also I would get a free credit report at freecreditreport.com they give a summary of what your credit score means and how you can bring it up.

What factors raise your Score:
You’ve paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. You can be proud of the fact that you are helping yourself maintain a good credit score, so continue with the positive credit behavior!

You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan.

Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Although public record items may remain on your credit report for seven to 15 years, depending on the item, an important piece of your credit history is paying your bills on time, every time.

Charity credit cards are gaining widespread popularity in recent years, because people are enamored with the thought of supporting their preferred charities at obviously no additional cost to themselves. When you opt for one of these cards, a one-time small donation is made by the card issuer to the charity associated with the card, and subsequently a small percentage of your expenses on the card is donated by the card issuer instead of the cardholder.

Cards available today cover big range of charitable organizations, both local and national and at times, even international. So you can be sure there will be at least one charity supporting your favorite cause.