|| How Credit Scoring Helps You | How Credit Scoring Works | | Your Credit Report | Checking Your Credit | What a FICO® Score Considers | | Interpreting Your Score | Facts & Fallacies | Average Credit Use |   Types of Credit In Use Is it a "healthy" mix? APPROXIMATELY 10% OF YOUR SCORE IS BASED ON THIS CATEGORY. The score will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. It is not necessary to have one of each, and it is not a good idea to open credit accounts you don't intend to use. The credit mix usually won't be a key factor in determining your score — but it will be more important if your credit report does not have a lot of other information on which to base a score. Your score takes into account: What kinds of credit accounts you have, and how many of each. The score also looks at the total number of accounts you have. For different credit profiles, how many is too many will vary. View Tips...