RX: Too high of a proportion of your balances are from open revolving accounts.


Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total combined amount you owe on all of your revolving accounts is high, a sign of increased risk. People who carry balances on multiple revolving accounts 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.