Each debt type, known as a 'credit mix', comprises about 10% of your credit score. Lenders prefer to see a combination, indicating you can handle various credit types:
Credit Cards: Responsible usage and timely payments can boost your score. Conversely, high balances relative to your limit can hurt.
Mortgages: A home loan, when paid punctually, can substantially benefit your credit score given its size and installment nature.
Student Loans: Like mortgages, these are installment loans. Consistent payment can be positive, but delinquency can heavily weigh down your score.