NO HOPE

I recently wanted to buy a house and a new car. when i checked my CREDIT SCORE i was surprised to find it alarmingly low at 676. when i got the report, dating back to 1986, it had ZERO PROBLEMS.... ZERO PROBLEMS! the report explains the number starting with the most important consideration. in my case it was NO REAL ESTATE HISTORY. the reason i have no real estate history is because i own TWO HOMES free and clear, NEITHER of which have EVER had a mortgage. i was considering buying another just to help the economy and because theres so many deals around. the second reason given was my lack of current auto loans data. all my vehicles ( 3 ) are paid for. i was just going to buy another because the economy needed it and mine were getting rather old. the third reason given was the high percentage of my credit limit that i have used. approx. 90%. the reason it's so is because the banks REDUCED MY CREDIT LIMITS to nearly what i owed. previously i had used only about 50% of my limit. so my credit score went from 726 to 676 even though i had done NOTHING WRONG! ZERO PROBLEMS over 23 YEARS credit history. If my case is typical ( and i think it is ) there is ZERO HOPE of the economy coming back! what's the use of PAYING MY BILLS ON TIME or paying them at all if the banks can arbitrarily harm me anyway. I think i'll quit paying them at all! I mean WHY NOT? what are they gonna do lower my credit score? see where this is heading?