Credit mix that adds points

The two account families

FICO wants to see you can responsibly manage both.

Thin-file fix in 6 months

If you only have credit cards (or only loans), a credit-builder loan from a credit union or Self/Kikoff/Chime is the cleanest fix:

1. You "borrow" $500-$1,000 that sits in a locked savings account
2. You make 6-24 monthly payments
3. Each on-time payment is reported as installment history
4. At the end you get the cash back, minus a small fee

Secured credit cards still work

A $200 secured card opens a revolving trade line, builds payment history, and graduates to unsecured after 6-12 months on most issuers (Capital One, Discover, Cap Bank).

Don't chase mix at the expense of the basics

Adding accounts you don't need to "improve mix" usually backfires — the hard pulls and dropped AAoA cost more than the mix bonus is worth. Only add an account type you genuinely lack.