My husband is trying his best to improve his credit score but it isn't going anywhere. He has paid off all the bad stuff that happened in the last 7 years. He has made payments on a car since September and we have confirmed they are reporting it. However since June of last year his credit has only improved by 6 points. He does have debt prior to 7 years still showing because new debt collecters get it and repost it. What advice can you offer?