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Ditto to the above.
To add, OP, where did you get your Equifax FICO score from in 2004?
Where did you get your Equifax FICO score now?
At the very least, you are comparing two different FICO scores. The EQ FICO as found on here (assuming it was purchased here) is a Beacon 5.0 score. Please (someone) correct me if wrong, but I think that the Beacon 5.0 was created in 2005 after your previous FICO pull. Your scores can easily vary on that standpoint and can account for the 29 point difference. Also, if you haven't used CCs in the past 10 years, as GregB mentions, you wouldn't have any CCs reporting at all. Revolving credit is a big part of FICO scoring. Also, since these are no longer reporting, and since they were at least 10 years old, you could have taken a very large hit in your length of history and possibly AAoA which are also a big component to FICO scoring. OP, what is left reporting? Mortgage? Other loans? If you have zero CCs reporting, I'd suggest getting a secured card. The limit doesn't matter. If you get it to report and PIF after each use, then you can remain debt free while still helping your mix of credit. If you did this, I bet you'd see a nice increase in FICO score, likely above the original 600.
If you didn't get your new 571 score from here, then there's a high chance it isn't a FICO score. If that's the case, then, if interested, pull from here to see what that score would be. FICO has a requirement that you have at least one open account for a minimum of 6 months before a score is generated.
