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Being years into paying down an auto or home loan, for example, makes a favorable impression on your credit score.It’s never too late to start building a credit history, to show lenders that you’re an experienced, trustworthy borrower.

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Sometimes it’s good to mix things up once in a while.

Aim for a variety of revolving and installment credit, like credit cards, a loan or open account (like a utility bill).

Though only a small influence on your credit score, a good credit mix means you can juggle those accounts and keep them in the air – financially speaking, that is.

Your free yearly credit report from Experian, Trans Union, or Equifax will contain all of the credit information related to your account.

When you are applying for a loan or mortgage, leasing a car, or even renting an apartment a lender will pull your credit report in order to determine your creditworthiness.

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