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Tips
Balances on accts too high compared to credit limits and loan amounts
The balances on your accounts are high compared to the original credit limits and loan amounts, lowering your score.
Too many recent delinquencies
Your credit file is showing too many accounts with payments that were at least 30 days late and/or on which a lender has reported derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Too many accounts recently opened
Opening multiple accounts in a relatively short period of time is a proven indicator of increased risk because the history on those new accounts is not long enough to provide sufficient payment and account information to demonstrate responsible behavior. In addition, having multiple accounts that are relatively new is seen as a higher risk because of the possibility of becoming overextended, which can then lead to late payments or defaulting on the account.
Too many delinquent or derogatory accounts
You have had too many accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Too few accounts recently paid as agreed
Paying your bills on time improves your score. You have not paid all or nearly all of your bills on time.
Delinquent or derogatory account
Your credit file is showing an account with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Too few accounts paid as agreed
Paying your bills on time improves your score. You have not paid all or nearly all of your bills on time.
Oldest account was opened too recently
Your oldest account was opened too recently. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced in managing credit.
Delinquent or derogatory status on accounts is too recent
You have an account with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Balances on delinquent or derogatory accounts are too high
The total balance is high on your accounts with at least 30 days late payments and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of risk. When credit line balances approach credit limits, risk is further increased because you don't have much credit available should it be needed, creating a greater chance of becoming overextended.
Too high proportion of accounts recently opened
Opening multiple accounts in a relatively short period of time is a proven indicator of increased risk because the history on those new accounts is not long enough to provide sufficient payment and account information to demonstrate responsible behavior. In addition, having multiple accounts that are relatively new is seen as a higher risk because of the possibility of becoming overextended, which can then lead to late payments or defaulting on the account.
Lack of recently reported accounts
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no accounts where a lender has reported recent activity, your credit file does not contain enough information about your use of credit. A mix of different types of open and active credit accounts with can have a positive impact on your credit score.
Total of credit limits and loan amounts is too low
Your overall amount of credit is too low. Having access to greater amounts of credit indicates a lower likelihood of becoming overextended.
No open accounts in your credit file
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no open accounts, your credit file does not contain enough information about your use of credit. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
Lack of account information
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
Delinquent or derogatory bankcard
Maintaining open and active credit accounts in good standing can help improve your credit score.
Too many bankcards with a high balance
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Carrying a balance on too many bankcards and revolving accounts is an indicator of increased risk. People who carry balances on multiple bankcards or revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.
Too few bankcards with high credit limit
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Having too few accounts with high credit limits is an indicator that you lack available credit. Having higher limits gives you access to credit without seeking new loans or becoming overextended, which are triggers for higher risk.
Too high proportion of bankcards recently opened
Opening multiple bankcard accounts in a relatively short period of time is a proven indicator of increased risk because the history on those new accounts is not long enough to provide sufficient payment and account information to demonstrate responsible behavior. In addition, having multiple bankcard accounts that are relatively new is seen as a higher risk because of the possibility of becoming overextended, which can then lead to late payments or defaulting on the account.
Too many bankcards with high balance compared to credit limit
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have bankcard or revolving accounts in your credit file with balances that are high compared to the credit limit on the account, which is a proven indicator of increased risk.
Too high proportion of balances from bankcards
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total combined amount you owe on all your bankcard accounts is high, a sign of increased risk. People who carry balances on multiple bankcard accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.
Balances on bankcards are too high
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total combined amount you owe on all your bankcard accounts is high, a sign of increased risk. People who carry balances on multiple bankcard accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.
Delinquent or derogatory status on revolving accounts is too recent
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have a revolving account with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Average credit limit on open bankcards is too low
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The amount of credit you have available to use on your open bankcard accounts is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended, which are triggers for higher risk.
Balances on bankcards are too high compared with credit limits
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The balances on your bankcard accounts are high compared to the credit limit, lowering your score.
Too few open revolving accounts
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you too few open revolving accounts, your credit file does not contain enough information about your use of credit. A mix of different types of open and active credit accounts, including revolving accounts, can have a positive impact on your credit score.
Not enough available credit on revolving accounts
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total combined amount you owe on all your bankcard accounts is high, resulting in reduced available credit to use if needed, creating a greater chance of becoming overextended.
Oldest bankcard was opened too recently
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Your oldest bankcard account was opened too recently. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced in managing credit.
Not enough balance paid down over time on bankcards
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The amount that has been paid down on your open bankcard accounts is low. People who haven't paid down much of their bankcard balances are higher credit risk than people who have.
Most recently opened revolving account is too new
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The revolving account that you opened most recently is still too new. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced in managing credit.
Lack of revolving account information
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no revolving accounts where a lender has reported recent activity, your credit file does not contain enough information about your use of this kind of credit. A mix of different types of open and active credit accounts, including revolving accounts, can have a positive impact on your credit score.
Lack of recently reported revolving accounts
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no revolving accounts where a lender has reported recent activity, your credit file does not contain enough information about your use of this kind of credit. A mix of different types of open and active credit accounts, including revolving accounts, can have a positive impact on your credit score.
No open bankcards in your credit file
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no open bankcard or revolving accounts, your credit file does not contain enough information about your use of credit. A mix of different types of open and active credit accounts can have a positive impact on your score.
Lack of bankcard account information
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including bankcard accounts, can have a positive impact on your score.
Balances on delinquent or derogatory bankcards are too high
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total balance is high on your bankcard accounts with at least 30 days late payments and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of risk. When credit line balances approach credit limits, risk is further increased because you don't have much credit available should it be needed, creating a greater chance of becoming overextended.
Too many delinquent or derogatory revolving accounts
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have had too many revolving accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Average time since revolving accounts opened is too recent
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Because your revolving credit accounts were opened recently, the history on those accounts is not long enough to provide sufficient payment and account history to demonstrate responsible behavior.
Total credit limits on open revolving accounts are too low
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The amount of credit you have available to use on your open revolving accounts is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended, which are triggers for higher risk.
Not enough balance paid down over time on retail accounts
A retail account is a bankcard issued by a retailer. The amount that has been paid down on your open retail accounts is low. People who haven't paid down much of their retail account balances are higher credit risk than people who have.
No open retail accounts in your credit file
A retail account is a bankcard issued by a retailer. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no open retail accounts, your credit file does not contain enough information about your use of this type of credit. A mix of different types of open and active credit accounts, including retail accounts, can have a positive impact on your credit score.
Lack of retail account information
A retail account is a bankcard issued by a retailer. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no retail accounts where a lender has reported recent activity, your credit file does not contain enough information about your use of this kind of credit. A mix of different types of open and active credit accounts, including retail accounts, can have a positive impact on your credit score.
Balances on personal installment accts too high compared to loan amts
A personal installment account has a fixed monthly payment for the life of the loan but is not an auto or a student loan. The balances on your personal installment accounts are high compared to the loan amounts, lowering your score.
Too few installment accounts recently paid as agreed
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. Paying your bills on time improves your score. You have not paid all or nearly all of your installment loans on time.
Delinquent or derogatory installment account
An installment account has a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment accounts. Your credit file is showing an installment account with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Not enough balance paid down over time on installment accounts
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. The amount that has been paid down on your open installment accounts is low. People who haven't paid down much of their installment account loan balances are higher credit risks than people who have.
Delinquent or derogatory status on installment accounts is too recent
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. You have an installment account that had a late payment or on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Lack of recently reported auto accounts
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no auto loans where a lender has reported recent activity, your credit file does not contain enough information about your use of this kind of credit. A mix of different types of open and active credit accounts, including auto loans, can have a positive impact on your credit score.
Lack of recently reported installment accounts
An installment account has a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment accounts. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no installment accounts where a lender has reported recent activity, your credit file does not contain enough information about your use of this kind of credit. A mix of different types of open and active credit accounts, including installment accounts, can have a positive impact on your credit score.
No open installment accounts in your credit file
An installment account has a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment accounts. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no open installment accounts, your credit file does not contain enough information about your use of this type of credit. A mix of different types of open and active credit accounts, including installment accounts, can have a positive impact on your credit score.
Lack of installment account information
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including installment accounts, can have a positive impact on your credit score.
Total delinquent or derogatory balances on real estate loans too high
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The total balance is high on real estate secured loans with at least 30 days late payments and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of risk. When credit line balances approach credit amounts, risk is further increased because you don't have much credit available should it be needed, creating a greater chance of becoming overextended.
No open first mortgage accounts in your credit file
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including first mortgage accounts, can have a positive impact on your score.
Lack of first mortgage account information
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including first mortgage accounts, can have a positive impact on your score.
Delinquent or derogatory real estate secured loan
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. Your credit file is showing a real estate secured loan with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Not enough balance paid down over time on real estate secured loans
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have.
Oldest real estate secured loan was opened too recently
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. Your oldest real estate secured loan was opened too recently. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced in managing credit.
Delinquent or derogatory status on real estate loans is too recent
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. You have a real estate secured loan with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
No open real estate secured loans in your credit file
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
Lack of real estate secured loan information
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including real estate secured loans, can have a positive impact on your score.
Too high proportion of balances from loans not secured by real estate
Loans that are not secured by real estate are loans that are not backed up by the collateral of a home (they are not first mortgage, a home equity loan, or a home equity line of credit). The total combined amount you owe on all your loans that are not secured by real estate is high, a sign of increased risk. People who carry balances on multiple bankcard accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.
Too high proportion of auto accounts are delinquent or derogatory
Your credit file is showing too many auto loans with payments that were at least 30 days late and/or on which a lender has reported derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Not enough balance paid down over time on auto accounts
The amount that has been paid down on your open auto loans is low. People who haven't paid down much of their auto loan balances are higher credit risk than people who have.
Too few auto accounts paid as agreed
Paying your bills on time improves your score. You have not paid all or nearly all of your auto bills on time.
Delinquent or derogatory auto account
Your credit file is showing an auto loan with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Balances on auto accounts are too high compared with loan amounts
The balances on your auto loans are high compared to the loan amounts, lowering your score.
Payments on auto accounts less than scheduled amount
Your credit file is showing auto loans with payments made for less than the amounts due. Paying less than the amount due is an indication of being overextended, indicating higher credit risk.
Delinquent or derogatory status on auto accounts is too recent
You have an auto loan with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
No open auto accounts in your credit file
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no open auto loans, your credit file does not contain enough information about your use of this type of credit. A mix of different types of open and active credit accounts, including auto loans, can have a positive impact on your credit score.
Lack of auto account information
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including auto accounts, can have a positive impact on your score.
Delinquent or derogatory student loan
Your credit file is showing a student loan with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk.
Not enough balance paid down over time on student loans
The amount that has been paid down on your open or deferred student loans is low. People who haven't paid down much of their student loan balances are higher credit risk than people who have.
Lack of recently reported student loans
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including student loan accounts, can have a positive impact on your score.
Number of inquiries was a factor in determining the score
If a lender runs a credit check when you apply for credit, an inquiry is reported to the credit bureaus. This can lower your score a small amount, in this case the drop was not significant. The VantageScore credit score model takes rate shopping, e.g., for a mortgage or car loan, into consideration. All inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a 14-day window are interpreted as a single inquiry. Another time inquiries never count against your score is when you check your own credit or obtain your own credit score.
Too many inquiries
If a lender runs a credit check when you apply for credit, an inquiry is reported to the credit bureaus. This can lower your score a small amount, typically by 10 to 20 points. The VantageScore credit score model takes rate shopping, e.g., for a mortgage or car loan, into consideration. All inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a 14-day window are interpreted as a single inquiry. Another time inquiries never count against your score is when you check your own credit or obtain your own credit score.
Derogatory public records
Public records include information filed or recorded by local, state, federal or other government agencies that is available to the general public. The types of public records that can affect your credit score include legal judgments against you, or tax liens levied by a government authority. Public records can have a significant negative impact on your credit score.
Unpaid collections
Some collection agencies report account information to credit bureaus just like lenders do. Your credit file has too many accounts that have been sent to a collection agency and remain unpaid. Unpaid collection accounts in your file can have a significant negative impact on your credit score.
Bankruptcy
Bankruptcy is a proven indicator of risk with future payments and causes a significant drop to your credit score over an extended period of time.
Too few open accounts
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
Too few accounts
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
Too many revolving accounts with high balance compared to credit limit
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have revolving accounts in your credit file with balances that are high compared to the credit limit on the account, which is a proven indicator of increased risk.
Balances on revolving accts are too high compared with credit limits
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The balances on your revolving accounts are high compared to the credit limit, lowering your score.
Oldest revolving account was opened too recently
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Your oldest revolving account was opened too recently. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced in managing credit.
Not enough balance paid down over time on revolving accounts
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The amount that has been paid down on your open revolving accounts is low. People who haven't paid down much of their revolving account balances are higher credit risk than people who have.
Balances on retail cards are too high compared with credit limits
A retail account is a bankcard issued by a retailer. The balances on your retail accounts are high compared to the credit limit, lowering your score.
No open revolving accounts in your credit file
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. Because you have no open revolving accounts, your credit file does not contain enough information about your use of this type of credit. A mix of different types of open and active credit accounts, including revolving accounts, can have a positive impact on your score.
Balances on delinquent or derogatory revolving accounts are too high
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total balance is high on your revolving accounts with at least 30 days late payments and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of risk. When credit line balances approach credit limits, risk is further increased because you don't have much credit available should it be needed, creating a greater chance of becoming overextended.
Delinquent or derogatory first mortgage
Your credit file is showing a first mortgage loan with a payment that was at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended.
Not enough balance paid down over time on first mortgage accounts
The amount that has been paid down on your open first mortgage loans is low. People who haven't paid down much of their first mortgage balances are higher credit risk than people who have.