21: No open accounts in your credit file
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 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 can have a positive impact on your credit score.
Maintaining open and active credit accounts in good standing can help improve your credit score.