I think if you have the stuff paid off, it's just time now. Check your credit report and make sure there's nothing on it that you're not aware of. I had an old lein from the IRS from 1991 that was paid off in 1992. It was still on my report. I got it removed and my score went up almost a hundred points in a couple of months. Make sure open credit cards are no more than about 70% of your credit line.