Your VantageScore reason code report

Continue to enter your reason codes, one at a time, in the search field in order to generate a list of printable explanations below.

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P45: Few or no bankcard/revolving accts with delinquent/derogatory balances

Explanation:

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. At most, only a small amount of your bankcard or revolving balances are currently 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.
 

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