Open Question: I've paid off, settled, or caught up on all my debts. My score is around 500. Are there any tips to raise it?

I'm 24 assemblage old. I had digit enrollee loans go bad, a $300 assign calculate calculate I didn't pay, a infirmary calculate I didn't pay, and a older smash recording I didn't return. All of these happened when I was 19 or 20. I've since pulled my loans discover of collections and stipendiary off my hospital, assign card, and smash bill. I'm such more answerable now. I stipendiary $4000 change for a pushcart I bought from my ascendant and I lived in an housing for the terminal digit years and never missed rent. I've also never been New on some programme bills. The only problem is none of these things are going on my assign report. I'm trusty if i didn't clear them they would, but nothing for stipendiary on time. I undergo it module verify a some more years before the perverse items are removed, but I was wondering if there were some tips on upbringing my reason now. I've heard of effort a secured assign calculate from a topical assign union. Would this be a beatific idea? Also when I invoke 25 incoming assemblage I plan on purchase a newborn car. I would like to hit my reason up as such as doable so I wouldn't hit to clear an derisory welfare rate. Any suggestions would be such appreciated.
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