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How can i improve my credit score...
I am 22years young and I have 3 credit cards fp-$700 limit credit one -$300 limit and may jewlers $500 limit. I have only been late 2 payment when I opened my first card I was 18 and stupid but since then I pay on time over the monthly minimum. My credit score is at a 578 and my goal is 650 (so I can ditch the sub prime lenders and get a prime lender) any tips or advice would be extremely helpful unfortunately when I was 19 I had a repo because where I bought the car from wouldn't fix the problems with the vehicle I had after I bought it and i refused to pay for something that only worked 3 months it's been 4 years since I took out the loan and the repo. Any useful adivice would be appriciated

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