08 Too many inquiries last 12 months 01 Pays as agreed. 09 Too many accounts recently opened 02 30-59 days past the due date. 10 Proportion of balances to credit limits on bank/national 03 60-89 days past the due date. revolving or other revolving accounts is too high 04 90-119 days past the due date. 11 Amount owed on revolving accounts is too high 05 120 days or more past the due date.