Credit Score Boost: How Your Behavior Affects Your Credit

Diversity of your credit history – up to 10%

You have probably heard of that adage on putting too many eggs in one basket. This can also apply to your credit history, as lenders would typically prefer that your credit is spread across a variety of loan types, such as car loans, credit cards, mortgages, etc.

The good news is that this factor contributes to only 10% of your credit score, so you need not worry much about having just a single, large, monthly mortgage payment on your credit report.