The earliest history of any credit lines for me is roughly 5 years back. I have 1 credit card, and when I graduated from college I had 7 college loans. I rent my apartment, and pay for utilities/cable. As far as my credit card is concerned, I have never carried a balance, and never been late. As far as my college loans, I have never missed a payment, always paying more than the minimum payment(usually triple), and have already paid off 3 of the 7 loans. As far as any other bill, I have never missed a payment, even by a single day.
Maybe I am missing something in the calculation of the credit score itself, but it would seem to me that I should have a perfect credit score. Don't get me wrong, my credit score is good, but I don't know how else you can show a better credit-worthiness. Any idea of what else they could be looking for?