Free Tool

Credit Mix Checker

See how your mix of revolving and installment accounts affects your credit score, and get specific recommendations to diversify if needed.

Your account types

Count open accounts only (or include recently closed — they still affect your mix for up to 10 years).

Revolving Accounts

Credit cards (Visa, MC, Amex…)

Store/retail cards

HELOC (home equity line)

Installment Accounts

Mortgage

Auto loans

Student loans

Personal loans

Credit-builder loans

Mix analysis

accounts

Revolving:

Installment:

Impact of adding account types

Adding a credit card (if none exist)

Adding a credit-builder / installment loan

Account type breakdown

Missing revolving?

Get a secured card

A $200 secured card with 10% utilization, paid in full monthly, adds the revolving account type your mix is missing. Cost: $200 deposit + $0/mo if no annual fee. Plan it →

Missing installment?

Credit-builder loans

Self.inc and credit unions offer credit-builder loans with no credit check. You pay ~$25–50/month, the money goes into a savings account, and the on-time payments are reported. Cost: $0–$15 setup fee.

How much does mix matter?

10% of your FICO

Mix is real but not the highest priority. Focus first on payment history (35%) and utilization (30%). Once those are healthy, a $200 secured card or credit-builder loan can squeeze out the last 10–20 points. Full score guide →

Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer

Save your progress — it's free

Create a free account to save tool results, dispute letter drafts, and track your credit improvement checklist.

Explore more from That.You Credit

Credit Score Guides

Ranges, factors, and improvement plans

Credit Report Disputes

Templates, timelines, and tactics

Your Consumer Rights

FCRA, FDCPA, and federal laws

Debt Relief Options

Consolidation, settlements, bankruptcy

Identity Theft

Freeze, disputes, and recovery steps

Credit Monitoring

Free tools and alert setup

Collections & Charge-offs

Zombie debt, pay-for-delete, and more

Building Credit

Secured cards, authorized users, and more

Debt Payoff Calculator

Credit Utilization Tool

Budget Planner

Balance Transfer Savings

Debt-to-Income Calculator

Emergency Fund Calculator

Common Questions — Quick Answers

→ What is a good credit score? → What factors make up my FICO score? → Does checking my score hurt it? → How long do items stay on my report? → How to get a free credit report? → Can I dispute accurate negative info? → What is pay-for-delete? → What is zombie debt? → What are my FDCPA rights? → Does a credit freeze hurt my accounts? → How long to build credit from scratch? → Is credit repair legal?