UNFAIR CREDIT SCORE

I CAN'T BEGIN TO IMAGINE THAT THERE ARE COMPANIES THAT USES COMPUSCAN, THIS COMPANY KEEP ON DECLINING MY CREDIT SCORE, I HAVENT HAD A MISSED PAYMENT IN A YEAR BUT MY CREDIT SCORE KEEP GOING DOWN AND THERES NO ONE WILLING TO HELP ME. AND THERE IS THIS "You have at least one unsecured account on which you have recently missed payments." AND "secured account can help show that you can stick to repayment schedules" I HAVENT MISSED ANY PAYMENT, THEY YET TO EXPLAIN WhAT THIS MEANS. IM REALLY DISAPOINTED IN YOUR SERVICE.