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Nunner

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What can I do to raise my credit score above 700?
I currently have a 590 CK score. I have followed alot of advise here but just haven't seen the results I hoped for. I know time is everything (and I have opened quite a few as of late) but I really want to buy a home here soon and would like to put myself in the best position available. I plan on paying off everything in the next 2 months. Here are my details. Thanks in advance for any advise. I have 100% pay history

Retail card #1: 8 months old, $600 Limit with $200 Bal.
Retail card #2: 8 months old, $700 Limit with $150 Bal.
Retail card #3: 8 months old, $700 Limit with $190 Bal.
Credit card #1: 4 years old, $300 Limit with $80 Bal.
Credit card #2: 9 Months Old, $500 Limit with $200 Bal.
Credit card #3: 7 Months Old, $1000 Limit with $400 Bal.
Credit card #4 (for biz Travel): 1 Month Old $2500 Limit with $1k Bal (pay off every month)
Auto Loan 1 year 4 month old with $20K bal.

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