I've been watching my scores for the last 2-3 years and I had it bad. I paid everything and now I don't have any debt or anything on my credit. The score is 646 . My question is how can I boost my score higher because for a couple of months it stays at this level. I keep hearing that there are lawyers and companies that jack up your credit but I just don't trust them. How can I get my score higher so I can buy a car ? I would appreciate any hints thank you.