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P50: No open retail revolving accounts in your credit file
The VantageScore credit score model relies on information in your credit files at the three national credit reporting companies (Equifax, Experian and TransUnion) to generate your score. A mix of different types of open and active credit accounts, including retail revolving accounts, can have a positive impact on your score.
What you can do:
Maintaining open and active credit accounts in good standing can help improve your credit score.
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