Potential lenders like to see different kinds of credit, like credit cards, mortgage, car loans, and student loans. Yet, a long history of paying bills on time is the most important thing. Having a long history off timely payments is what counts the most when it comes to your credit score. Many young people interested in buying their first home worry about not having loans to prove that they are good lenders. However, taking loans just to improve your credit score or to diversify your credit portfolio is a waist of money. Paying interest when it is unnecessary is the same as throwing away your hard earned cash away. If you pay your bills on time, you shouldn’t worry about your score. If you keep up doing that flawlessly for a long period of time, that will serve you well and keep your score high.