Banging my head re: FICO

I swear I can't win. I have 3 flawless credit reports (no derogs, p. records, or collections) My oldest reporting account is from 1990. When I started, back in June of last year, I had approx. 12 derogs, a public record, and 3 collections. I worked my butt off to get them all off. I built my first home in Nov 2002 with an appraisal of $225,000. I have a car loan, 6 credit cards. The mortgage company still isn't reporting the mortgage. Cap 1 doesn't report my 3000.00 limit. I maxed out the card 2 months ago to get the high balance up, and they still have not reported in 2 months my new $0 balance. I have a Marshall Field account at 1900/2500 for a deferred billing option. I BT that to my new BoA.

Can you believe I can't get my scores past 700? Last month I get my first prime card, BoA. The report yesterday, the day the statement closed on, that I have almost maxed out my card. (They never gave me the date the account opened.) my fault for not asking. I did a few balance transfers, but planned to give them half (1500.00) before the statement closed. I am now down to an average of 630 on my scores. I can't win!