One mistake some people make especially when their credit history is less than 3 years old is opening a new account even when it is not necessary. You just have to think smart to see if it is worth the risk.
If your credit score is just a few points from 700, look at the document and see if everything stated there is correct. Who knows, you might get lucky and find out that there was an error made. You can call the credit agency to tell them about it and send the supporting documents so an investigation can be done and this matter can be corrected.
To get a copy of your credit score, you can get in touch with one of these credit agencies namely Experian, Equifax or Transunion. Thought the scoring system they use is different from one another, it states the same thing so you know what it is. This changes yearly so get another one year and compare the results versus the year before.
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