81: No open installment accounts in your credit file
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. 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. A mix of different types of open and active credit accounts, including installment 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.