16: The total of all balances on your open accounts is too high
The total that you owe on all your accounts is high. Maintaining high balances has proven to be risky behavior because you don't have much credit available should it be needed, creating a greater chance of becoming overextended. People with the highest credit scores keep their account balances low.
Whenever possible, pay down balances on your accounts. Over time, this will have a positive impact on your score.