Can you adivise my how to raise my score from 652 658 633

I read with great interest your article on 12 steps to raising your credit score. Two years ago I married a Norwegian man, and I reside in Norway with him currently. I am unable to access via the internet my credit scores. It continually tells me that service not available in my area. I am 54 yrs old, divorced after 25 yrs, and I relocated to Asheville, NC about 5 yrs ago. I rented a home there for 2 yrs, and then bought it. It is owner financed. I am disabilied retired from the US postal service. I have a very small retirement that is auto deposited into my US bank account, along with the rental income from my home. The only other debt I have is my Wachovia card. Currently, it is at 66% of the 9,000 limit due to the death of my mom last year. I plan on paying that in full within 6 months. Also, I must finance my rental insurance as it is so high due to me living outside the USA and the manager of the property in Asheville. Yesterday, I finally got my credit report from countrywide, due to a call considering a refinance. I was shocked that the 3 scores were 652, 658, and 633. They indeed should be much higher, as I always PAY EVERYTHING on time. What can you advise me to do to raise my score??? Please help as my husband and I may return to the US to live, and if so, I may have to borrow some of the equity I have in my home in order to take care of automobile, etc. Please forgive the length of this mail. I hope to call all three agencies and speak with each of them. There has NEVER been anything that should have my score so low.
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i hear the circumstances but not much about what is on your report.
if everything is paid up and you have 3 open lines of credit with no lates in the last two years your score should be 700+
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I do not have 3 open lines of credit. Only 1 Visa card? Is that the problem ? Should I reinstate maybe an old Lowe's card, and not use it, and maybe get another Visa, and let it go unused? I have not seen the reports either as I cannot access them via the net. I am calling the agencies today from Norway. Also, I do have a letter from my landlord for 2 yrs, and now mortager (Renpro Proprities) stating that I have paid in an outstanding manner for 4 yrs both as a renter and owner, as well as maintained the home. I would like to know how to add this to my credit report? He sent this to me to help with me hopefully purchasing a small home with my husband here in Norway as I have zero credit here.
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that cannot be added to your report
open rated lines of credit only
rent, utitities do not count

you can use the rent letter with some applications to some loans, but it will never show on your credit report
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some lenders will use a direct credit reference letter
here is a free letter you can change to fit your needs

Thanks for asking
I have a new subject with free letters
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