Your FICO score evaluates your total revolving credit balances in relation to your total credit limits on those accounts. In your case, this ratio of balances to credit limits is too high.
Keep this in mind: This credit usage ratio is one of the most important factors to your FICO score, so you should work on paying down your balances. Your FICO score looks at the ratio of revolving debt, but not in which accounts the debt resides. Therefore, consolidating or moving your debt from one account to another will usually not help your FICO score since the same total amount is owed.
Do you have any other things that you're being scolded for? FICO gets pretty desperate for negatives once your reports start getting clean.
MV has a classic where he got a thumbs-up for his credit history, and his wife got a thumbs-down for the identical figures. (It might have been the other way around.) On TU I was getting my length of history as a positive until an extra account reported, and now suddenly the same history is a negative. * snort *