51: Too few installment accounts recently paid as agreed
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. Paying your bills on time improves your score. You have not paid all or nearly all of your installment loans on time.
Pay your installment loans on time every month since it 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.