Fico scores reflect the total the obligations, in addition to kind of borrowing you’ve got Full obligations and borrowing merge. The new FICO credit scoring system does prefer users with many borrowing levels, and a combination of revolving credit (account such as for example playing cards, one borrowing from the bank within a particular credit limit) and cost credit (financing such as for example mortgages and you may car and truck loans, with an appartment amount of repaired monthly premiums).