Why isn’t my credit score changing

Four years ago I lost my job of 22 years.  it was difficult to replace the income, took me two years of battling through til I finally found a god paying job.  We found ourselves deep in debt but didnt want to file bankruptcy.  So one by one we are still paying off creditors.  We had a car reposessed and a few judgements posted on our credit but we are close to getting back even.  We dont have any open credit cards but we did get a car loan 7 months ago and have been ontime each month…..why is my credit score still aat 517 every month, it won’t change.  My income is very good but I still can’t get a loan….how can I get my score to move up?

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are the car people reporting to bureaus
no open credit means no score change other than going down

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Yes, it shows on my credit report that the payments are being made…all 7 payments have been made ontime and show this on my credit report but the same score remains….what am I missing

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it takes on year to get a rated credit line
7 months is not ling enough
i would consider another line like a secured credit card that reports use it for twelve months and try to uppgrade

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Why isn’t my credit score changing