71: You have either very few installment loans or too many with delinquencies
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. You have had too many installment accounts with late payments or do not have enough installment loans to provide sufficient information about your credit behaviors. 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.