OSBRanger wrote:I started monitoring my score on CK and I dont know how accurate/official that score is.
Depends on what you mean. It's highly accurate for its own model. It's completely unreliable if you're trying to use it to determine your FICO's.
OSBRanger wrote:How can I keep my score increasing?
I don't recommend fixating on any score but if you're wanting to improve yours then consider the factors that go into your FICO's:http://www.myfico.com/crediteducation/whatsinyourscore.aspx
OSBRanger wrote:Does utilization play key roll in increasing a score?
Utilization is "Amounts Owed" in the link I provided.