There are many factors in credit score that determine your credit score such as credit payment, debt ratio and balance that you have on your credit card, but what is most important is find out with items is not reflecting your credit score so you may know exactly what to focus on.  For credit card company it doesn’t matter what is your age, if you are 22 years old student or 68 years old retirement guy, Race can’t be count as well nationality and religion because this is a discrimination issue if a credit card company say to you that they cannot give you credit card because you are from certain nation or you speak second language. Most important that people should know about credit score is that soft-inquires Is not hurting your credit rating, inquires made for account in monitoring purpose such as your current lender checking your report to offer you additional limit is not count, but if they check your credit score and put hard inquires on your credit score system then it will lower your fico score of 5 points, each credit inquires lower fico score on average of 5 point depend what is your credit score and credit history. Some inquires lower credit score as much as 10 points and in order to get this points back you need to wait 2 years for those inquires to be removed so it take time. How can I raise my credit score this is most question that people asking as you may know credit scoring models are complex and in reality not many people know what is formula of credit score because those formula is confidential so it cannot be disclose to public. You may build your formula base on the past experience but every formula in different. If one factor changes, your score may change but improvement generally depends on how that factor relates to other factors considered by the model. Nevertheless, scoring models generally evaluate the following types of information in your credit report. What I mean by that this is what you should be aware of when you want your score to be high. So what is the best step to raise my credit score the best way is to pay all of your bills on time? It doesn’t matter if this is your credit card or your loan or any other financial obligation. Lateness, collections, and bankruptcies have the greatest negative impact on your credit score, check your credit report on regular basis I will say once every 4 months and dispute inaccuracies as soon as you uncover them. You should watch your debt ration and keep your account balances below 30% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $300 so you will look good in front of creditor eyes. You should also avoid many inquires. A large number of inquires occurred over a short period of time may be interpreted as sign that you are opening numerous credit accounts due to financial difficulties and overextending yourself by taking on more debt than you can actually repay.
Exception:  If you shopping for a mortgage, all mortgage inquires close together within 14 days to each other are considered one inquires for your score and not lower your fico credit score
So what is the secret of raising your credit score fast and efficient there is no secret, you should dispute inaccurate information from your credit report , pay bill on time, not carry outstanding balance, and decrease your interest rates on your credit card and loans