Tuscani wrote:
fused111 wrote:
Tuscani wrote:
ncyjse wrote:
So, how can I do a good mix since I only have two open accounts?
You can't.
IMO, a couple store charge cards, 3-4 major cards, an auto, a mort, and maybe a student loan defines a good mix.
Outside of a mortgage, does FICO distinguish btw the different types of installment loans...auto, student, secured, unsecured and so forth? I have one paid auto and two unsecured loans reporting paid as agreed, not having a student loan, does this hurt my credit mix?
I don't think so. I believe after mortage an installment is just the same as any other. But to be safe, I recommend different types of installment and revolving when discussing a good mix of credit.
Here are current TL's all positive:
Amex Blue
Amex Gold
My personal bank Visa Gold
FIA Plat
Macy's card
Auto PIF
Unsecured loan almost paid (5k loan, balance now 1500)
Newer unsecured loan (10k loan new)
I really do not need more credit but is there something else I can do which might be beneficial or this mix alright for now?
