DD: The sum of your open retail revolving credit account balances is too high.


The total combined amount you owe on all of your retail revolving credit accounts is high, a sign of increased risk. People who carry balances have reduced available credit to use if needed, creating a greater chance of becoming overextended.


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.