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RSLahnum

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I have been paying on my car for over a year now why hasn't my credit score improved

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What are the other factors?

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Just having a car does not improve your credit even if all payments are made on time. If you have not done so already, you should get copies of all THREE credit reports for an accurate picture of what your scores are, all three bureaus can be different. Do not rely on the score Credit Karma shows you, it can be off by a lot, there's even a thread on here about it. You need to have a "variety" of credit accounts to improve scores too, at least one or two credit cards would help, but again, there needs to be a record of consistent on time payments, and responsible credit use. Do not max them out and just pay minimum payments. Also, the age of accounts plays a factor, the longer the accounts are open, with good payments & use, the better your score will be. 

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