I did write to the credit bureaus, but have n't received a reply. I have been paying all my bills on time for years now, and have paid off several credit cards completely, but my credit score is not going up. I was recently denied a credit card from my bank, XXXX even though I was granted a big increase on my local bank 's XXXX credit card, based on my credit. XXXX has been difficult to deal with, even though I have a good payment history and decent income. Am wondering what 's going on. I am a XXXX XXXX veteran and receive a good amount to survive on, and my wife has a good steady income XXXX for eight years. My score ought to be above XXXX by this time. Also, XX/XX/2015, I applied for a loan to purchase an R/V at a Texas R/V sales location, and the salesman sent my application to a dozen banks, without telling me. This hurt my score, as well. Can I do anything about that? My Social Security Number is : ***********. My phone is : XXXX. My scanner is not working, but I can mail verification of my veterans status, discharge paper, and recent letter from an inquiry into my credit scores. XXXX has been unfair in their denying me, while a local bank in my city, has approved a credit card with a high credit limit, based on my credit history.