Your credit score raises after calculating and adding up all your credit card balances and loan balances over time.
If you keep a low balance on your credit cards and pay the balance off on time and show a good payment history then overtime your credit score raises by a few points every month or every few months.
That is as long as you continue to be on time with your credit card payments and any other loan payments as well.
If you keep your credit card balance high and never pay it off in time or you don't pay loans back on time and miss payments then your late or missed payments will be reported to the credit bureaus and then your credit score will drop.
Your credit scores are added and calculated automatically through an automatic computer system after your credit use is reported manually from loan companies or credit card companies.
The better you are using credit and paying off the loans or car payments the more your credit score will raise.
It can take up to a year to see your credit rating and credit score improve if your credit score has been down enough.