With the exception of college in the late 1990's, I have never had credit. Most of that derogatory information has since fallen off of my credit report. There were a handful of items over the past couple of years (medical bills, utilities, etc...) that I have been taking care over the past few months. The problem is, my score isn't improving. I don't have any credit cards, so I can't be ruining my credit score there. All I have on my credit reports is a car payment, which I make on time, every month. So why, throughout this whole credit repair process has my credit score not changed more than a few points?