Good credit score, but high interest rates

[Smooth_J]

I am gardening at the moment, however when doing a soft credit check (and also getting the pre-approval advertisements in the mail) I see they are always well over 20%+ interest. Normally this wouldn’t bother me since I do my best to follow the AZEO method, but its like my score never changed from 670s to what they are now.

EQ: 742 FICO8 - 4 recent Inquires

TU: 747 FICO8 - 3 recent Inquires

EX: 737 FICO8 - 7 recent Inquires

Overall credit card utilization is 1.33% (FICO rounds to 2%) with the highest amount being ~$500 out of $4500, and second highest being $275 out of $9000. All other cards are 0 but have a total credit limit of 45000.

I do have several loans: one Mortgage, two Auto, and one Personal.

I also have one bad from 9/2016, which may or may not be affecting me still.

[Anonymous]

My guess would be the baddie on your report. Scores are only part of the puzzle I'm finding out. You can have amazing scores and still get denied for things. 

[Brian_Earl_Spilner]

We would need more info like how old is your credit and existing accounts. Also, which banks are you checking and receiving offers from.