RS: The newest delinquent or derogatory status on your revolving credit accounts is too recent.
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have a revolving credit account that had a late payment or on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk.
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.