loan companies similar to cash call

I know some people with very high FICO's that have less than 5 prime cards and zero store cards. Their credit was established through the wise use of what cards they had, as well as any mortgages, etc. I had a high FICO score that also dropped when I opened a jewelry store account for the zero percent interest for the purchase. It has rebounded, but I later found it is advised not to open several lines of credit just to get discounts, etc. if you don't plan to use that card often.
First off, I am 35 years old, I AM divorced, & I live in a van, down by the river.
They cant tell me anything about anything b/c they dont have anything!
I didn't even get a report number but I got the fax number to fax in my disputes.