What about your payment history?
Speaking of loans
You can do that. In principle, only buy or finance what you can afford.
Clean up unused accounts.
How to fix credit rating quickly?
Fixing your credit score yourself fast
Almost no one is a “blank” sheet. Lenders learn more about you than you think. Stored information about your place of residence, other and former addresses, land register entries, bank details, payment history, insolvencies, debt collection or negative information from third parties, the current credit situation and ratings up to the “warning list” may also affect you and influence your credit rating.