a Visa (APR 18.5%), a second Visa (18.9%). A store charge that I pay monthly. I have 3 other MC/Visa cards that are completely paid. I just have n't closed them yet. That's 10K not in use. On the cards I am using, I'm utilizing only a 1/3rd of the available credit. I have 10K in savings, always maintain a balance of at least $1000 in my checking account, and I have $5000 in mutual funds. I have never bounced a check or been late on any payments, since the BK was discharged. The inquiries that are listed are creditors that gave me credit, I have not been denied any credit in 4+ years now. SO, why is my FICO score only 610?? Any thoughts or suggestions will be greatly appreciated.