T0: Too high a proportion of your account delinquencies are recent.
A delinquency is a payment that was made 30 or more days late. Too many late payments occurred recently on some of your accounts. 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. Over time, this will have a positive impact on your score.