90: No open revolving accounts in your credit file


Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. 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 revolving 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 revolving accounts, can have a positive impact on your score.


Maintaining open and active credit accounts in good standing can help improve your credit score.