21: You have no open revolving credit accounts.


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 credit accounts, your credit file does not contain enough information about your use of credit. A mix of different types of open and active credit accounts, including revolving 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.