[84porsche]

My credit score as of last December was a 776 and on my report, and these were things I was dinged for...

The time since your most recent account opening is very recent

You have too many bank/national revolving accounts with balances being reported

You have a relatively high number of accounts with balances

The length of time your accounts have been established is relatively short.

Maybe these might help you a little. When I run my report again, next month, we'll see if my score has improved because I have closed a few accounts and reduced my revolving cards. Good luck.