How do you raise your credit score…(details inside)…?

I paid off and closed out all of my credit cards. I have no car loans or personal loans, no house loans, etc. I have no credit cards, etc. I only have my cell phones, house phone, and car insurance. How do I raise my credit from what it is presently without having to open up a new credit card account?

(Presently, with closing out of all credit cards as of June of this year, my credit score is 582. I’ve gotten denied for personal loans.)

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