So I just graduated and I'm trying to settle my finances in anticipation of returning to that whole "working" thing. Part of that was checking my credit scores, and they're pretty shitty. My Vantage score is 697 according to TransUnion and my FICO is 627 per EquiFax. I know a big mark against me is that I was carrying too much credit card debt due to school, but that's completely paid off now and all the accounts are closed. Now my only debt is mortgages and student loans. And I've only ever had two late payments, one car and one credit card, both less than 30 days. I feel like I'm rock-solid financially, but I know the credit score plays a huge role in how lenders perceive you, and I want to make sure that my "image" is good. While I don't intend to be looking for loans or anything in the immediate future, I'm planning on purchasing some property in a year or so, and I'd like to improve my score in the meantime to make financing easier. Are there tricks to doing this?