In November of 09 I declared chapter 7 with my exhusband. In February of 2011 I was able to rehabilitate my federal student loan. The month it went through on my credit report my score went from 600 to 602. I thought it would go up a lot more than that. I have been paying my student loan on time every month. I also have a car loan that I've made 12 on time payments on, in addition to another car loan I have with my fiancee' that I'm paying on time every month too.
My score hasn't gone up at all since February. I want to get to 620 this year, what can I do?