credit score of 723-728 report says negative factors

Credit Card for a Credit Score of 723 Credit Card for a Credit Score of 728 credit card for a 700 701 702 703 704 705 706 707 708 709 710 719 720 721 722 723 724 725 726 727 728 729 730 731 732 733 734 735 736 737 738 739 740 741 742 743 744 745 746 747 748 749 750 751 752 753 754 755 756 757 758 759 760 761 762 763 764 765 766 767 768 769 770 771 772 773 774 775 776 777 778 779 780 781 782 783 784 785 786 787 788 789 790 791 792 793 794 795 796 797 798 799 780 781 782 783 784 785 786 787 788 789 790 791 792 793 794 795 796 797 798 799 800 Credit cards for high credit scores. credit cards

I have a credit score of 723-728 depending on which agency you look at.  However, when looking at the score reports, each agency tells me that one of the negative factors on my report is that i have “7 account(s) from personal finance companies” Now two of these accounts are from 2000-2001 through ford, paid in full and were never late.  Two of the others are also closed (one through ford and one through Capital One Auto), paid in full, never late but they were not PIF until 2005. One was closed and paid in 2007 and the other two are still open.  The two open accounts are a mortgage and a car loan and they are also not delinquent.  How do i get these closed accounts to stop hurting my score?  I always believed that if there was no bad news then it would not hurt you but apparently I was incorrect.  In addition, I have one credit card account that I closed and the report states that the card is closed yet it is still being reported to one agency.  How does that work and what should i do in this situation.  Thank you so much for your time. 

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TOO MANY BANK OR NATIONAL REVOLVING ACCOUNTS  / proportion LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH                        
PROPORTION OF BALANCES TO CREDIT LIMITS, TOO HIGH ON BANK/OTHER REVOLVING ACCTS
LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED      
 
this kind of stuff is normal bull that the reports say
this was on my report 721
its just horse manure
you have 720 plus forget about it
 
remember your score is weighted heavily about 75% on the past 24 months activity
so the old closed accounts are meaningless
 
it is very hard to get a better score than you have
the best thing would be to have only three open accounts that are paid down to less than 30 percent