And lastly, you have types of credit. Now this is the balance between installment and revolving debt and it accounts for 10% of your score. Credit cards issued by a non bank or a retail store do not have as strong a positive effect as a bank credit card that is backed by Visa or MasterCard. In order to maximize the balance for every installment loan, you may have one revolving debt. If you have 10 credit cards for example, in one installment debt, you would not have as great a positive effect is having five installment in five revolving so the attempt is to keep these balanced between installment and revolving debt