65: Lack of sufficient relevant first mortgage account information
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 contain enough credit behavior information about your first mortgage accounts. A mix of different types of open and active credit accounts, including first mortgage loans, can have a positive impact on your credit score.
Maintaining open and active credit accounts in good standing can help improve your credit score.