Your VantageScore reason code report

Continue to enter your reason codes, one at a time, in the search field in order to generate a list of printable explanations below.

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TJ: Too many accounts with delinquency/derog status in recent months

Explanation:

You have had too many accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. 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.

What you can do:

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.
 

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