44: 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.
Pay down the balances on your accounts. Ideally, the balance on any revolving account should be 30% or less of the total credit limit on that account.