40: You have no auto accounts that can be used in determining a credit score.
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 contain enough credit behavior information about your auto loans. A mix of different types of open and active credit accounts, including auto loans, can have a positive impact on your credit score.
Maintaining open credit accounts that are active at some point in the prior 24 months is the most common way to receive a score.