Is 725 a good score or not??

When i started my credit journey 3 years ago, i was around 600. I filed for bankruptcy and opened a couple cards, and my score increased. I'm now a bit stuck at 725. Been in that area for a year or so. My student debt is 23,000. My credit limit is 6k. My utilization is 7%. I pay the statement balance every month.

Why am I stuck at 725?

And why are my rates so high? The last card I opened has a 29% apr and carvana quoted me 14% interest.

I'm hoping to buy a house in the next 3 years...