I am not sure you can help me but I have reviewed my credit report numerous times. I have paid my bills on time for the past approximately 10 years and the problem is my credit number does not increase. My status has changed to retired person but even when I was working and making over {$100000.00} and paying bills on time does not positively affect my credit score. 

Can you help with this issue. Perhaps there is something I am not seeing and I do not care to go to a credit expert because they always seem to be selling something. I know you act for my interest and would like some feedback on either your opinion or next steps. 

Thank you, XXXX XXXX