49: 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.
Whenever possible, pay down balances on your revolving accounts. Over time this will have a positive impact on your score.