10: You have either very few loans or too many loans with delinquencies
You have had too many accounts with late payments or do not have enough 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.