61: No open real estate accounts in your credit file
A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. 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 real estate 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.