That's a FICO Score reason code, both positive and negative reasons for why your score is what it is exists. That reason refers to any installment - mortgage or non-mortgage; so do you have a different installment loan type such as an auto, student, or personal loan?
@Anonymous wrote:Thanks for the quickest reply! I did sign up for Self Credit Builder, formaly known as Self Lender, where it creates a savings account for me and deducts monthly payments from my checking into the savings and Affirm. Maybe this one?
Besides this, I dont have any other installment accounts.
So, I believe Self Credit Builder reports to all 3 bureaus as an installment loan to help build history and enhance your 'credit mix'. That would be why you're seeing that reason code. So far, you've paid the loan down by 30%; that reason code generally remains until the loan is paid down below 8.9% - which is usually followed by a score boost. That said, installment loan utilization doesn't affect FICO nearly as much as revolving utilization so there really is no need for concern. FICO weighs factors such as high revolving utilization, negative accounts, age of accounts much more heavily than installment utilization.
You're welcome! 
@Anonymous wrote:Thanks for the quickest reply! I did sign up for Self Credit Builder, formaly known as Self Lender, where it creates a savings account for me and deducts monthly payments from my checking into the savings and Affirm. Maybe this one?
Besides this, I dont have any other installment accounts.
OK that's the culprit. As @thornback points out, by paying it down to 8.9% you'll get a FICO 8 score boost, and you'll get rid of those negative remarks about your non-mortgage loan. But as @thornback also points out, it doesn't have the same impact in other scoring models.
