Why do you want a higher score? If you get a new job that pays $10 million a year and pay off all your debts your credit score goes down. Your ability to pay off debt is not a factor in your credit score. The truth is, a credit score is really an “I love debt score”. It tells the banks how profitable you have been to other lenders....I’ll know that we are succeeding with money when my FICO credit score is zero
But income is a HUGE factor when applying for credit. It doesn't matter if the score factors in income because the lenders usually do on their side.
You score = experience. (FICO)
You income = credit lines. (Lenders)
Lenders use both Income and Score to determine credit. Try to apply with $0 income with an 820 FICO and watch how fast you get turned down. lol.