The diversity of your credit accounts represents 10 percent of a FICO score. The FICO formulas reward you for having different kinds of accounts. For example, a consumer with a car loan, student loan and credit card is at lower risk of default than someone who has three credit cards and no car or student loans.
**What to Do**
Diversity is a strength when calculating FICO scores. If, for example, you recently underwent a foreclosure and you have some funds to pay off some loans, you might want to pay off one of your four credit card balances rather than a student loan or car loan.