69: Too high proportion of balances from loans not secured by real estate


Loans that are not secured by real estate are loans that are not backed up by the collateral of a home (they are not first mortgage, a home equity loan, or a home equity line of credit). The total combined amount you owe on all your loans that are not secured by real estate is high, a sign of increased risk. People who carry balances on multiple bankcard accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.


Maintaining open and active credit accounts in good standing can help improve your credit score.