Continue to enter your reason codes, one at a time, in the search field in order to generate a list of printable explanations below.
97: You have too few credit accounts.
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. Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit accounts can have a positive impact on your credit score.
What you can do:
Maintaining open and active credit accounts in good standing can help improve your credit score.
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Count on the company behind ReasonCode.org for more accurate and consistent credit scores, too.