48: Lack of retail account information
A retail account is a bankcard issued by a retailer. 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. Because you have no retail accounts where a lender has reported recent activity, your credit file does not contain enough information about your use of this kind of credit. A mix of different types of open and active credit accounts, including retail accounts, can have a positive impact on your credit score.
Maintaining open and active credit accounts in good standing can help improve your credit score.