Why is my total cholesterol considered borderline high?

Have you checked your blood cholesterol levels as a routine follow up or you have experienced some hearth problems?
HDL of 86.07 mg/dl is high and gives protection against heart disease.
LDL 97.26 mg/dl is optimal and your triglicerides are normal.
Total cholesterol 205.34 in range 200–239 mg/dL is considered as Borderline-High Risk total cholesterol.
Your border-line cholesterol is balanced by high HDL(good) cholesterol.
Have you thought of lifestyle changes like eating a heart-healthy diet, getting regular physical activity and avoiding tobacco smoke?
Have you asked your doctor how often you should have your cholesterol rechecked?