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jdboxer

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Why can't I get my score over a 700?
I currently have a mortgage, 6 months old, 3 credit cards, 2 retail cards, and a truck loan. My DTI is around 30% when I'm utilizing over half of my credit card limits. I've had over 6 auto loans paid in full and all payments made on time, my current truck loan is 2.5 years old, credit cards are an average of 4 years old and all payments made on time with all balances less than 20% of the available credit at all times, if not paid off completely. I've also had personal loans that have been paid off and all payments made on time. There is absolutely NOTHING negative on any of my credit reports. The worst thing that shows up is that I have 4-5 hard inquiries in the last 2 years, 2 of which came from the bank when I was buying my house and 1 from the closing company. My problem is that my score is around a 660 and can't get it over a 700 to save my life. I'm always getting offers but at high interest rates because of my credit. I simply do not understand why my score is so low. Am I not the poster child of perfect credit. I have the ideal credit history and a low score and crappy interest rates?! What the heck is going on?! Can someone please explain to me what I. Doing wrong?

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