Why do I have a insufficient credit history?

I try to apply for a small loan and a credit card with my bank, and I couldn’t get approved for any because of insufficient credit history with Equifax. I have a credit score of 730, and have never been late on payments with anything. I have a best buy credit card, a military star card, and a master debit/credit card. I’ve had these cards for over 2 years now. I’ve pay off a personal loan and currently making payments on another with a different bank, and I’m always on time with my payments. I’ve don’t have a car payment or a mortgage. I don’t understand this and how to fix it.

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