66: Your open auto account balances are too high compared to their loan amounts
You have auto loans in your credit file with balances that are high compared to the original loan amounts on the account, which is a proven indicator of increased risk.
As monthly car payments are made, a portion of the outstanding principal balance is reduced, benefitting your score. Whenever possible, further pay down balances on your auto loan accounts. Over time this will also have a positive impact on your score.