75: The installment account that you opened most recently is too new
An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. The installment account that you opened most recently is still too new. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced managing credit.
Don't open more accounts than you actually need. Research shows that new accounts indicate greater risk, especially if overall account history isn't long. Your score will benefit as your accounts get older.