44: Too many bankcard or revolving accounts with delinquent or derogatory status
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have had too many bankcard or revolving accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. 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.