Credit Mix Calculator
Calculate your credit mix diversity score for optimal credit health. Determine how different types of credit accounts affect your overall credit profile and get personalized recommendations.
Step 1: Credit Account Types
Understanding Credit Mix
Credit mix refers to the variety of credit accounts in your name. Lenders prefer to see a diverse mix of revolving credit (credit cards) and installment loans (mortgage, auto, personal).
Step 2: Financial Profile
Importance of Credit Diversity
A diverse credit mix shows lenders you can manage different types of credit responsibly. Credit mix accounts for approximately 10% of your FICO credit score calculation.
Credit Mix Results
Your Credit Mix Diversity Score
Credit Mix Type Comparison
| Credit Profile Type | Mix Score Range | Account Diversity | Improvement Tips |
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Credit Mix Score Breakdown
Credit Mix Calculation Formula
Score = (Account Diversity × 50%) + (Balance Distribution × 30%) + (Age Factor × 20%)
Account diversity evaluates different credit types. Balance distribution looks at utilization across accounts. Age factor considers the average age of your accounts.
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