IP: Your credit report reflects a high proportion of balances from open non-installment accounts.


The total that you owe on your non-installment accounts is high. Maintaining high balances has proven to be risky behavior because you don't have much credit available should it be needed, creating a greater chance of becoming overextended. People with the highest credit scores keep their account balances low.


Whenever possible, pay down balances on your accounts. Over time, this will have a positive impact on your score.