20: You have no revolving credit accounts that can be used in determining a credit score.


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. Your credit file does not have enough credit behavior information about your revolving credit accounts. 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 credit accounts that are active at some point in the prior 24 months is the most common way to receive a score.