[motion]

FICO gurus:

What a frustrating topic... my FICO is stuck at 710 and nothing I do seems to improve it. I hear of people with scores in the upper 700s, low 800s. How do they do it? I know the basic rules, but even when applying them, its making no difference in my score. I have a sneaking suspicion that its due to the fact that I have a large number of mortgages and I'm going to just be stuck with it. Any ideas?

Here's a snapshot of my situation:

No 30/60/90 lates in past several years
15+ year credit history
No public records
No collection accounts
5 credit cards, all with low balances (around 10% of limit)
18 inquiries in past 24 months
10+ mortgages
3 vehicle loans

I'm going to be looking for a construction loan at some point in the near future and need to get the score up to around 730-740 to get the best possible terms/least hassle with the process.