All of my entries on my credit report are due to fall stale within the subsequent six months (good and bad items). I single have two clear credit cards with balance owed of $100 each (limit on respectively is $800.00) and one other loan in the amount of $5000.00. Payments are never past due on the credit cards / making higher payments on the $5000.00 loan.

What should I be doing to get a better credit score, if anything?

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Apply for a few more cards, and as soon as you get them, shred them. Also, if you can, increase your payments on the loan. Aside from that, you're doing fine. If any of the cards have a high interest rate than the loan, pay them past its sell-by date first, as that is costing you more money.
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