While maintaining a good payment history has the greatest impact, having a good credit score depends on so much more than that. The length of your credit history, and your credit utilization ratio is also very important, for instance. You can find a detailed overview of what affects your credit score here:https://wallethub.com/edu/what-affects-your-credit-score/19605/.
Ck all your credit card accounts on your report.. are any of your balances greater than 33% of the max you can charge.. if so, this is one reason.
Do you have any credit card accounts that have been zero balance for greater than 6 months .. then the system does not take that account into the scoring model. You need to use zero balance CC with in the 6 month window to keep it active on the scoring system
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