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My score won't move and history length is wrong
I have had a 640 (it jumps around that number but mostly stays the same)
It has taken me 4 years to go from like 530 to this 640ish number.

I have all good standing accounts
1 negitive for late payment in 2009
a student loan (16 years old)
a mortgage (12 years old)
7 credit cards (all 0 balances at time of reporting) approx 3 years old
1 sears card with $3,xxx owed because it is 0% financing for 18 months I bought a furnance and a/c and make $300 over the amount due each month.
my credit history says it is only 2 to 5 years old and all these accounts are in my name alone.

Why is my score so low???

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