Consumer finance accounts. Account payment history too new to rate. Too many recent inquiries in the last 12 months. Too many accounts opened in the last 12 months. Proportion of balances to credit limits is too high on revolving accounts.
Amount owed on revolving accounts is too high.
Length of revolving credit history is too short. Time since delinquency is too recent or unknown. Length of credit history is too short. Lack of recent bank revolving information. Lack of recent revolving account information.