47: No open retail accounts in your credit file
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 open retail accounts, your credit file does not contain enough information about your use of this type 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.