 TITLE: How the Right Mix of Credit Can Boost Your Credit Score CONTENT: What Isn't Part of Credit Mix?\n------------------------------\nTwo of the most common types of loans that don't count toward credit mix are payday loans and title loans. Lenders who provide payday and title loans don't report them to credit bureaus, so they won't impact your credit scores or show up on your credit report. Even if you repay a payday loan on time every month, it won't factor into your credit report.\nThe only catch is if you default on a payday loan or title loan. In this case, it may be sold to a collection agency, which will then report it on your credit. In other words, payday and title loans can't help your credit, but they can absolutely hurt it. END