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P44: Few or no bankcard or revolving accts with delinquent/derogatory status
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Paying your bills on time improves your score. You have paid all your bankcard or revolving accounts on time or no more than 30 days late.
What you can do:
Keep paying bills on time every month since it is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time.
A HIGHER LEVEL OF CONFIDENCE
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