Right now all that is on my credit is two medical bills, totaling $400, that I am going to get completely paid off this week. My student loans which are being paid on as agreed and I have never missed a payment on. The new car we just bought in December, and a store card that I got last year. I got the store card thinking that having a bit of revolving credit on my account would help. The credit limit is low but it just went up a few months ago and that increase is showing on my reports. It also has no balance on it. Many years ago when I first pulled my report there were more medical bills on there. Nothing major, just a few medical bills totaling around $800. I paid all of those off years ago but they are still showing on my report, but as closed accounts with no balance. I know I need to pay off the two new medical bills that are currently showing on my report. But I don't know what else I need to do to improve my score. My loans are all in good standing and I make my payments on time. Does the amount of my debt negatively affect my score, even though those accounts are in good standing? With the car and my student loans, I owe about $32,000. I guess my question is, am I doing something wrong or should I just continue to make my payments on time and pay down my debt? I would really love to work on my credit scores in hopes of refinancing our new car eventually to get a lower interest rate. I thought I was doing everything right but nothing seems to be helping.. Any advice would be greatly appreciated.