 TITLE: 7 Surprising Things That Can Affect Your Credit CONTENT: 6\\. Having Little Credit Diversity\n----------------------------------\nOne thing lenders like to see is that you can successfully manage different types of credit. This means that having a credit card, auto loan, student loans and a mortgage can be better for your credit than just having a couple of credit cards.\nThis credit mix makes up 10% of your FICO® Score. According to FICO, it likely won't be a deal breaker for lenders if you don't have tons of diversity with your credit accounts. If you're looking to take your score into 800 territory, however, adding a new type of debt to your credit mix can help.\nDoes this mean you should apply for different types of credit just to boost your credit mix? FICO says no. It's important to weigh the costs of a loan against the benefits of having it. In most cases, it's best to naturally establish a diverse mix of credit over time as you need different forms of financing. END