76: You have insufficient credit history on installment loans
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. Your credit file does not contain enough information about your use of installment loans. A credit file with older accounts and/or more accounts reflects more experience with handling credit and can have a positive impact on your credit score.
Maintaining open and active credit accounts in good standing can help improve your credit score.