55: Open real estate account balances are too high compared to their loan amounts
A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The outstanding balances on open real estate accounts remain high compared to the original loan amounts. People who haven't paid down much of their mortgage or other real estate loans are higher credit risks than people who have.
As monthly real estate payments are made, a portion of the outstanding principal balance is reduced, benefitting your score. Whenever possible, further pay down balances on your real estate accounts. Over time this will also have a positive impact on your score.