95: You have too many collection agency accounts that are unpaid
Some collection agencies report account information to credit bureaus just like lenders do. Your credit file has too many accounts that have been sent to a collection agency and remain unpaid. Unpaid collection accounts in your file can have a significant negative impact on your credit score.
Satisfy all collection accounts and pay all other accounts on time each month. The impact that negative items such as collections accounts have on your credit score will diminish over time.