So I've been reading around and I've seen some good info on this forum, thanks guys. But I have a question regarding my credit score and the most efficient way to raise it. I'm currently a student and by next fall semester I'm going to need a student loan. I recently saw my score and it's not where it needs to be to get the student loan.
I don't have any big debts like a mortgage payment or a car loan, I do have a credit card with Macy's with a limit of $500(40% is used right now) and a Chase card with a limit of $400(25% of it used)

Maybe having two credit cards isn't enough, what else can I do to raise my score?