OP please list out all the negatives you have in your file.
With negatives, your baddies create their own weather within your file. -5 points on any given alertable event, even an event where you are getting to AZEO is part of this weather.
You just had a big run up in score over the past few months, congrats for that. Time to give some of it back as your file sorts all the factors.
High Bal Jan 2009 $116k on $146k limits 80% Util. Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727 April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812 Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831 March 2021 $33k on $312k EQ 796 TU 798 EX 801 May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777