RD: You have revolving credit accounts that are currently delinquent or derogatory.
Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have a revolving credit account 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.