I got my credit score recently and was surprised to see it come in at only 731. I did have one 60-day late payment in 2007 due to an oversight, but other than that I thought I was about as good a credit risk as I could be.
I don't owe a dime to anyone. I've got two credit cards that I use all the time and pay off every month, both of which I've had for about 20 years. I had mortgages for 28 years that I paid off in 2010 that don't even appear on the report - why is that? - other loans stay on the report for years but the mortgage disappears as soon as it's paid off? I have a few store credit cards that I never use. I own my San Francisco condo outright and have sizable bank accounts and investments.
Who shouldn't be happy to lend me money? I don't get it.
And therein lies your problem. You no longer have a mortgage and you don't carry a CC balance.
You're credit score doesn't reflect how likely you are to pay your loan back on time. It reflects how likely the bank is to be able to milk you forever. That's why they give higher ratings to people in constant debt as long as they pay the minimum requirement.