Hi! Thanks for writing! Could you write back with more info? You are right in that a person's credit score can be lowered by making late payments, but other credit behavior and circumstances also go into determining credit scores. Another part is how much credit you have access to - and how much of that credit you are working on paying back. For example, if each of that 7 credit card accounts has a $4000 limit, that's access to $28,000 in credit. If you've got $2000 used on each of those cards, you've already borrowed $14,000 that you need to pay back. That would make lenders/credit bureaus nervous because if you were to lose your job or decide to not make payments, there is a lot of money being loaned that has the potential to not be paid back. You may be able to consolidate bills, but paying off each of the cards when you can and trying not to keep adding to them and considering maybe closing one or more (which could temporarily lower your score but will then help) could be ways to improve your score. We've got great articles on WalletHub about credit score improvement and consolidation - please search our site! Best wishes to you.