FICO score reason code · Code 17
“No recent non-mortgage balance information” — Decoded.
That line on your denial letter isn’t an insult — it’s a standard reason code, and it’s telling you exactly which lever moved against you. Here’s what it actually says about your file, in plain English.
The short answer
“No recent non-mortgage balance information” means: Nothing besides (maybe) a mortgage shows recent activity. It does not mean: You should carry debt or pay interest — it wants evidence of recent activity, which paid-in-full use provides. The 800 Club’s team turns this reason into a plan on a free strategy call.
Lever: Recent Activity
Quick Fix — often moves within a statement cycle or two