<prompt> Human: The denial letter stated the following three reasons. But I do not understand them. I never had a loan or mortgage before, so there wont be any information on that. Also, I have no clue what lack of retail information means. By number of established accounts, I only have one credit card, but that has a 20k limit which I pay every month without fail.Also, by Too few accounts currently paid as agreed, the only account I have as unpaid is my credit card, but it is not the due date yet.Number of established accountsLack of recent retail account informationLack of recent installment loan informationToo few accounts currently paid as agreedThank YouEDIT: Follow up to all the posts:In the rejection letter, the said my credit score. And it was higher then 833.They received the information from experience. I am 28 and I have never had a loan in my life.I am requesting a copy of my credit report. And will update shortly.ThanksEDIT2:Got my report:I have four accounts in good standingAnd Zero potentially negative itemsI have two open credit cards I forgot that I am a cardholder on a different account. One has a balance of 12k but that is not due yet the other has a balance of 0.One had a high balance of 13K with a credit limit of 20k the other had I high balance of 6k with a credit limit of 17K.All the accounts were never late.THanksEDIT3: Got off the phone with a loan officer. Bottom line the problem is because Limited credit experience. So now I need to find a bank that has good rates on auto loans even though I have limited credit experience.Any Suggestions?Thanks  <response>: How much did you put in as your income? That doesnt come from credit reports and is not related to your credit score, but its just as important. You owe 12k already and they might think its too much in relation to your monthly income if you were to add another 20k loan. 