32: Balances on bankcard or revolving accounts too high compared to credit limits
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.
Pay down balances on your accounts and keep them below 30% of the total credit limit on that account. Over time this will have a positive impact on your score.