This is a good article on bankrate.com discussing 5 uncommon ways to raise your credit score. The most important thing I took away from this article was a very important detail that makes a big difference in your credit utilization rate. Many credit card companies calculate your BALANCE that is reported to the credit agencies based on your balance on the STATEMENT DATE. So even if you pay off your credit cards in full each money and on time, you could still be showing a high credit utilization rate and hurt your credit score.
http://www.bankrate.com/finance/credit-cards/5-uncommon-ways-to-raise-your-credit-score.aspx
