Your VantageScore reason code report

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P77: Newest delinquent/derogatory status on installment accts not too recent

Explanation:

An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. You have an installment account that had a late payment or on which a lender has reported a derogatory status. However, your credit file shows that this event did not occur too recently, having some positive impact on your score.

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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