We all have different situations in family life, work, nutrition, health, and finances. Therefore, why would our credit be any different? Our unique situation is important to understanding your credit score, and in order to make it grow, the changes you make must be specific and just for you. The first step to understanding what it is that you need to do is to look at the credit report and see the factors affecting your score. Only after that you will know what you can do better and how you can improve.