Lack of recent bank/national revolving information

FICO code numbers

Code numbers can differ by bureau and score version. The wording of the statement is what to match.

What puts this reason on your score

Cards that sit unused can stop showing recent activity, and some issuers close idle cards. This code says the model has no current look at your general-purpose card use. It differs from code 16, which covers revolving accounts of any kind, store cards included.

Revolving accounts are where the model sees how you manage a credit line from month to month. With nothing recent on a bank card, it can't give you credit for low, well-handled balances.

What to check on your credit report

• Look at each bank card's 'date reported' or 'last updated' field.
• Check whether cards you think are open were closed by the issuer.
• Confirm the cards you use actually report to this bureau.

What you can do about it

• Use one bank card for a small purchase each month and pay it off.
• Let a statement close with that small balance, then pay it in full by the due date so you owe no interest.
• If every bank card is closed, one new card gets revolving activity reporting again.

The free statement date planner can help with this step.

How soon a change can show

Once a card reports a statement with activity, the next score pulled after that update can reflect it. That usually takes one statement cycle.

If you are applying for a mortgage

Before you apply, put a small charge on an older card and let it report. It costs nothing but a cycle of planning.

Guides that go deeper

• How to keep an unused credit card from being closedIssuers can close an unused card with no warning, and the lost limit pushes utilization up. Cheap, low-effort ways to keep a sock-drawer card active.
• Statement closing date vs. due date: which one sets your utilizationYour card usually reports your balance on the statement closing date, weeks before the due date. See the timeline, the math, and how to time payments.
• The AZEO method, with the math and the trade-offs shownAZEO means letting every card report $0 except one with a small balance. A worked 3-card example, what it costs, and when it's worth doing.
• What your credit score reason codes are telling youReason codes list what held your score back the most, in order. What the common ones mean, which you can act on, and which to leave alone.