4: You have no accounts that currently show your payment status.
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. Your credit file does not have enough credit behavior information about your loans. A mix of different types of open and active credit 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.