Your credit score is an important aspect of your financial life. It can determine whether you qualify for a loan or a credit card and affect the interest rates you’re offered. As such, it’s important to know what factors can push up your credit score. Here are some key factors to consider:

1. Payment history: Payment history is one of the most important factors that can push up your credit score. Late payments, delinquencies, and defaults can have a significant negative impact on your credit score. On the other hand, paying your bills on time and in full can help improve your score.
2. Credit utilization: Credit utilization refers to the amount of credit you’re using compared to the amount of credit you have available. High credit utilization can indicate that you’re overextended and may have trouble paying off your debts. Keeping your credit utilization low can help improve your score.
3. Length of credit history: The longer your credit history, the more information lenders have to assess your creditworthiness. As such, having a long credit history can help improve your credit score.
4. Types of credit: Having a mix of different types of credit, such as credit cards, auto loans, and mortgages, can indicate that you’re able to manage different types of debt. This can help improve your credit score.
5. Recent credit inquiries: Applying for new credit can result in a hard inquiry on your credit report, which can temporarily lower your credit score. However, if you have a history of responsible credit use, the impact of new credit inquiries may be minimal.
6. Credit age: The age of your credit accounts can also affect your score. A longer credit history can indicate that you have a more stable financial situation, which can help improve your score.
7. Credit mix: Having a mix of different types of credit, such as credit cards, auto loans, and mortgages, can indicate that you’re able to manage different types of debt. This can help improve your credit score.

In conclusion, there are many factors that can push up your credit score, including payment history, credit utilization, length of credit history, types of credit, recent credit inquiries, credit age, and credit mix. By focusing on these factors, you can improve your credit score and increase your chances of getting approved for loans and credit cards with favorable terms.