I have that. A couple of years ago, when we bought our house, my scores weren't as good as DH- he has in the 750's. ;
It means that you do not have a Home Loan showing on your credit. I have everything else, revolving debt, CC's, mini installment loans, line of credit, school loans, etc.
So, what we are doing now is refi the house w/ both our names now that my credit is better. Please keep fingers crossed for me.
Awaiting appraisal and it is the only thing holding loan up.