re: How should I prioritize these 4 credit issues?

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2. Too few accounts currently paid as agreed


Worst red flag

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Yep. You can owe a large percentage of your credit limits if you always make timely payments. Missing payments puts your credit score into a tail spin.

My wife's credit score went from over 800 where it was for years down to 620 something because her former partner canceled a check that was to have paid off her business credit card. The business was closed due to covid lockdowns so no mail came. Four months of missed payments will put credit into nose dive and there isn't a lot that can be done about it.