13: 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.
Paying bills on time every month is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Whenever possible, pay down balances on your accounts. Over time these actions will have a positive impact on your score.