When I was rebuilding my credit, I wasn't even thinking about “credit mix.”

I was thinking about survival... paying the bills, fixing late payments, keeping the lights on, and watching collecting tips so I can pay my debt only to do it again week after week.

The idea of a “diverse credit mix” sounded like something only wealthy people had time to think about.

And here’s the truth...

Even today... even after hitting 850... I still don’t have a perfectly diverse credit mix.

And that’s okay.

👉 Did you know credit mix was a thing when you first started?

What Credit Mix Actually Means

Credit mix is simply the variety of credit accounts you have.

It’s about showing lenders you can manage different types of credit responsibly.

There are 3 major types...
Revolving credit - credit cards, HELOCs
Installment loans - personal loans, auto loans, student loans
Real estate loans - mortgages

FICO sees a variety of accounts as a sign of financial maturity.

But here’s the part people forget...

It only counts for 10 percent of your score. Not 35 percent like payment history. Not 30 percent like utilization. Just 10 percent.

It matters… but not as much as people think. A perfect credit mix isn’t required but helps.

Simple Ways to Improve Your Mix (Without Taking On Bad Debt)

If you want to work toward a stronger credit mix, do it safely and intentionally.

Here are a few no-stress options...

✔️ Add a secured or store card if you only have one card.
✔️ Get a low-limit credit-builder loan (Self, credit unions, etc).
✔️ Keep older accounts open instead of closing cards you don’t use.
✔️ Avoid taking out loans you don’t need. Credit mix should never create debt.

Let time work. A natural mix forms as your life evolves.

👉 What type of accounts do you currently have? 

Don't Compare Your Mix To Someone Else's

I’ll be real with you... People online love to act like you need a perfect credit portfolio to have great credit.

No you don’t!

Here’s the truth... Most people don’t get a perfect mix until life naturally gives it to them.

A car loan here. A credit card there. A mortgage one day. A personal loan maybe. But you never force it.

You never take on unnecessary debt just to “look good” to FICO.

 

Even today, at this stage in my life, I’m still building my mix. Little by little. Naturally. As life happens.

 

Don’t chase perfection. Chase progress.

Strengthen Your Mix Without Risk

This week’s toolbox is all about safe ways to build credit variety...

Credit Mix Snapshot

Check out your credit report and write down all accounts you currently have. Categorize them into revolving / installment / real estate.

No-Risk Credit Builder Loan

Consider a credit-builder loan only if it fits your budget.

Mix Audit

Identify which category you’re light in and whether improving it is even necessary.

“No New Debt” Rule

Commit that you will never borrow money just to chase points.

Small, smart moves build strong credit.

I was focused on working and making money to keep paying down my debt... everything but credit mix.

And you know what? That was enough.

Because credit mix wasn’t the thing I needed then.

Your journey is your journey.

Your mix will grow as your life grows.

And you don’t need a perfect mix to feel confident or proud of your progress.

Just keep building.

Keep learning.

Keep moving forward.

The perfect mix will come naturally... mine still is.

Until next week,

Disclaimer: Guide to Perfect Credit and Credit Coach Rob provide financial education and coaching based on personal experience and research. We are not licensed financial advisors, accountants or attorneys. This content is for informational purposes only and should not be considered financial, legal or tax advice. Always consult with a certified professional for your specific situation.

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