Patience will get you to your Credit Score Goal.
More tips on how to fix your FICO Score & maintain good credit:
Have credit cards but manage them responsibly: in general, having credit cards and installment loans (and making your payments on time) will rebuild your credit scores. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.
Note that closing an account doesn't make it go away: a closed account will still show up on your credit report and may be considered when calculating your credit score.
Pay off debt rather than moving it around: the most effective way to improve your credit scores in this area is by paying down your revolving (credit card) debt.
Keep balances low on credit cards and other revolving credit: high outstanding debt can negatively affect a credit score.
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