<prompt> Human: 674 credit score. Up from 550 2 months ago.- My specific goal is to reach 750 by July 1. Im learning as I go. - only one of my secured credit cards is showing up on my report. I called both the credit bureau and the credit card company and both assured me they are following reporting procedures, but clearly someone isnt... what do? I think this would help increase my score with both active line of credit and payment history - paid off my medical debts and have 0 accounts in collection and the accounts show as deleted from history. - my phone hard inquiry has been dropped as well.Im looking to increase my credit. What are my options as someone with 2 secured cards 200 limit each used to pay monthly bills nothing more and no auto or school loan? - Ive heard about credit building loans but dont know much about them- would this be a worthwhile investment of time? - What are some direct steps I can take to bring my score beyond 700-750 over the next year? Aside from pay on time and dont be a dingdong, are there other things I can do to accelerate this? Should I open a 3rd or 4th card to increase my payment history? Just put a different subscription service on each card? What would you do?  <response>: One of the main factors in credit scores is time. An account with a 7 year on time history is better then an account with a 3 month on time history. Since you cant go back in time you have to just wait it out. Automod already linked to the sidebars for the rest of the info 