Credit mix
Credit scores & reportsThe variety of credit types on your report, such as credit cards, loans, and mortgages.
Overview
A mix of different account types can show that you can manage various kinds of credit.
There is no need to take on debt just to improve mix.
Why it matters
- Some scoring models consider credit mix as a factor.
- A healthy mix can support a stronger profile.
- Too much new credit can still be risky.
FAQs
Should I open new accounts to improve credit mix?
Only if the account makes sense for you. Opening credit just for mix can backfire.
Does credit mix matter more than payment history?
No. Payment history is usually more important.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.