No recent non-mortgage balance 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

A homeowner who pays every card before the statement closes and has no car or student loan can see this code. The report lists accounts, but none outside the mortgage carries a balance for the model to grade.

FICO says using a small part of your available credit can help more than using none. A file with zero non-mortgage balances gives no recent sign of how you handle everyday debt, and this code is how the model says so.

What to check on your credit report

• Check whether every card reported a $0 statement balance last month.
• See whether your only installment loans are paid off and closed.

What you can do about it

• Let one card report a small balance on its statement, then pay it in full by the due date.
• Keep using cards for normal spending. You don't need to carry debt or pay interest.

The free statement date planner can help with this step.

How soon a change can show

The next score pulled after a card reports a small statement balance can reflect it, so this usually takes one cycle.

If you are applying for a mortgage

Homeowners planning a refinance or a move-up purchase see this when every card is paid before it reports. One card reporting a small balance in the month before the lender pulls addresses it.

Guides that go deeper

• 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.
• How fast your score moves after paying off credit cardsPaid off your cards and the score hasn't moved? The reporting chain, a dated example, and why the wait is usually one to two billing cycles.
• 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.
• 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.