Our history is a bankruptcy in 2005, followed by a major job loss/income crisis and medical crisis which resulted in more consumer debt. Everything went to collections and last year we made settlements for all but about $3000 medical that we still have left to pay (and intend to do this year). We've paid off a ton and our credit score has gone up 10 points in a year- that's it. We do not own a home. We don't have credit cards. How can we raise our credit score?