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Why is my credit score still poor?
I do not understand what I should be doing right now to make my score better. I have "poor" credit now, yet I have 100% in payment history, only 21% in credit card utilization, a "B" in number of accounts open (over 15 accounts), a "C" grade in credit inquiries, which I cannot do much about, and yes I have an "F" in credit card history, again not much I can control either. It says the highest impact on your score is payment history and I have a 100% in it. What am I missing? A little over a year ago I had a of 750 and it dropped to below 640, that is over a 100 point decrease! Over a year ago my credit card history was even worse as I had only opened my first credit credit card then.

What can I do now to make my score better?

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