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Hederhorst

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i own my home, car & pay off my credit cards each month...why do I have such a low score?
I pay property taxes & insurance (home, health & car) bi annually

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The home and car are now assets, not active credit accounts.  The insurances are living expenses and not active credit accounts.  You did not show how many credit card accounts you have and it is good that they are paid in full every month.  Credit scores are based partly on the age of all active credit accounts (credit cards, consumer loans) as well as the total amount of available credit.  You are wise to not carry any balances over on your credit cards, because debt is not always a good thing.  You might give thought to re-reading the articles on this site to review what goes into a credit score, then you can decide if you want to make any adjustments to your credit portfolio that could raise your credit score.  The score simulator can help with that process.

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