Building credit to prep to buy a home

[put me in coach]

Hello,

Looking at buying a home with my SO within a year. Trying to make sure that my credit is in optimal condition.

I have never had a car loan or any other large loan besides my student loan which was paid off 10 months ago.

I had had one credit card for a few years, and started churning credit cards for points/miles starting spring 2018. Since then i've opened 2 business cards (which i understand do not count towards my credit), and two personal cards. The second personal card i opened earlier this month.

With my oldest credit card, i get free FICO scores. My score is at 750 as of 11/10/18 (so does not take into account my latest hard pull or my latest credit card's info in general). Factors cited that have hurt my score are listed as:
1. Too many inquiries last 12 months.
2. Too few accounts currently paid as agreed.

#2 there is weird. I've never missed a payment in my life.

Credit Karma says I only have 2 cards, too (so nothing from the latest one). Says my Transunion is 775 and Equifax is 741. Both reports say i have 100% payment history. Credit age avg is 2 yrs and 3 mos, 0 derogatory marks, 0% credit usage (probably lucky timing for it being so low; i do use them), total accounts=2, and hard inquiries=0 for TransUnion and 4 for Equifax.

How do i build my credit from here? I presume i should stop opening cards to keep up my avg age of accounts and stop hard pulling. Other ideas?

[Telecaster]

In general, the FICO algorithm seems to favor a history (longer the better) of responsibly using lots of credit, as well as not needing credit, and not even seeming like you need credit.  Ask your credit card companies to increase your credit limits.  More headroom means less risk (according to FICO).

Some credit cards have credit score simulators so you can see see the effect of getting a new card or whatever.   It could be the case that while opening a new card will lower your score for a short time, it might actually raise it over time because you are showing another account that you are managing responsibly. 

[put me in coach]

Right. That's part of what i was thinking. It's tough to know how the balance plays out; which weighs more: number of accounts+total line of credit vs average age of account+hard pulls.

[Catbert]

If I were you I'd do 2 things: 1/lay off churning credit cards until you have a mortgage.  2/Pull your Equifax credit report to see if there is a problem.  441 is an oddly low score.  Maybe someone else's file got somehow merged with yours??? 

[put me in coach]

Woh woh woh! My bad. Equifax is 741.