BJ: Too many of your bank credit card accounts have recently been delinquent or derogatory.
You have had too many bank credit card 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.