Too many accounts with balances. Account payment history is too new to rate. Too many inquiries in last 12 months. Too many accounts opened in last 12 months. Proportion of balances to credit limits is too high.
Amount owed on revolving accounts is too high.
Length of revolving credit history is too short. Time since delinquent is too recent or unknown. Length of credit history is too short. Lack of recent bank revolving account information. No recent non-mortgage balance information.