This happens to thousands of people
You say
I pay everything on time
But your score does not move
Here is why
You do not have credit mix
Only having credit cards will not grow your score consistently
Your limits are too low
Two hundred or three hundred dollar cards help you start but they are not enough to push you into the seven hundreds by themselves
Old negative items are still reporting
Collections late payments charge offs inquiries
All of those weigh your score down
You do not know your full credit picture
You must monitor all three bureaus
Not one
Not two
All three
Basic rule
You cannot fix what you cannot see
Stay committed
Take the next step
Learn your report
This journey is about progress not perfection