Welcome to these forums!
There's a wealth of information here. It does take time. I suggest starting at Credit Scoring 101 as a good start.
It'll take time to learn the ropes and acronyms, but I'd pull each of your 3 CRs from this site and DV, PFD, GW where necessary to remove items prior to the 7 yr CRTP. With persistance and patience, you'll see a higher score in no time.
Folks here are also great in answering your questions. Feel free to post specific questions.