To build a good credit health, one must be first informed about how the credit system works and how the credit score is calculated. You may be regularly repaying your loan and still wondering why you only have an average credit score. 

Having a credit mix is one of the important elements that plays a pivotal role in your credit score calculation. If you have the combination of secured, unsecured and revolving credit, it could increase your credit score considerably. A single loan may be repaid over a specific period, but a revolving credit will be ongoing as long as you wish, thus boosting your credit score and building your credit history as well. 

With the diverse credit, you need to make your payments on-time and never forget to keep a low credit utilisation ratio on your credit card. With a good credit behaviour over time, you will see remarkable changes in your credit health.