In my case it sounds like I need to open up at least one retail account since I have none at all. This yields a F rating from Credit Karma for my # of accounts.
Basically Credit Karma says "Having a healthy account type mix tells lenders that you are able to handle different kinds of credit and can be beneficial to your credit health. Real estate loans are of the highest credit quality, followed by installment loans, credit cards, and retail cards in order of declining quality. You should aim to keep a mixture of all of these account types on your credit report, with a focus on those of higher quality."
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