https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-credit-mix/m-p/6326006#M187373 <P>MyFICO said that my credit mix was bad for one bureau. I only have an auto loan and 2 CCs on there and many closed student loans. I guess the student loans make the mix look bad? They are not-yet-due loans.</P><P>&nbsp;</P><P>I want to open 1-2 CCs soon. Is there something else I should be doing to get more points for the mix category? Mix seems to be holding my score back. Everything else is good for that bureau.</P> Wed, 12 May 2021 07:06:36 GMT Swatch 2021-05-12T07:06:36Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-credit-mix/m-p/6326006#M187373 <P>MyFICO said that my credit mix was bad for one bureau. I only have an auto loan and 2 CCs on there and many closed student loans. I guess the student loans make the mix look bad? They are not-yet-due loans.</P><P>&nbsp;</P><P>I want to open 1-2 CCs soon. Is there something else I should be doing to get more points for the mix category? Mix seems to be holding my score back. Everything else is good for that bureau.</P> Wed, 12 May 2021 07:06:36 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-credit-mix/m-p/6326006#M187373 Swatch 2021-05-12T07:06:36Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-credit-mix/m-p/6326057#M187375 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1090978">@Swatch</a>&nbsp;wrote:<BR /><P>MyFICO said that my credit mix was bad for one bureau. I only have an auto loan and 2 CCs on there and many closed student loans. I guess the student loans make the mix look bad? They are not-yet-due loans.</P><P>&nbsp;</P><P>I want to open 1-2 CCs soon. Is there something else I should be doing to get more points for the mix category? Mix seems to be holding my score back. Everything else is good for that bureau.</P><HR /></BLOCKQUOTE><P>1.&nbsp; The credit mix category is a very small matter, and I would not worry about it. I'm sure you're not losing many points for that.</P><P>2.&nbsp; You already have 2 categories satisfied -- installment loans (the student loans and the auto loan) and credit cards.&nbsp;</P><P>3.&nbsp; I believe you would get rid of the "credit mix" flag by adding (a) a personal line of credit, such as an overdraft line of credit with a credit union, or (b) a "charge" card, which could mean a store card or an Amex charge card.&nbsp; But if I were you I would do neither.</P> Wed, 12 May 2021 11:53:25 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-credit-mix/m-p/6326057#M187375 SouthJamaica 2021-05-12T11:53:25Z