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You have multiple accounts showing missed payments or derogatory descriptions.
Your FICO score takes into account missed and late payments in a few ways. These include the number of late payments, how late they were and how recently they occurred. Your score was hurt because your credit report shows multiple accounts with missed payments or derogatory descriptions
As I said in my earlier post,
What gives here?
Is my score being impacted 2 times by missed or late payments?
Does a negative STATUS (included in bankruptcy) = a deragatory description?
Does the negative status and the deragatory description (included in bankruptcy) mean my report is negatively impacted twice (once for negative status and onece for deragatory description)?