The Brown family wants to refinance their house, but before they do this they want to see if there is any way to improve their credit score to lower their rate. They have a saving of $5,000. Their total monthly income is around $3,000 after taxes. Mr. Brown is thinking about quitting his job in order to finish his bachelor’s degree. This will reduce their monthly income substantially. They also have several department store credit cards that have an outstanding balance of $600. What are some things they could do to increase their credit score?