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5Freddy41

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How to improve and diversify my credit?
First I already own my home that I did not buy with a mortgage or loan. My vehicles are paid for without a loan. I really don’t need to buy anything I just want my credit to improve for what might happen in the future and better insurance rates. I have zero debt. Currently I have 3 credit cards one I pay all my bills with and I pay each charge as soon as it goes through, one is the card I keep in my pocket for my purchases that I pay off as soon as each charge goes through and the last is my first secured card that I started my credit with that I really don’t use. I keep it active because it my oldest account. My history is young only 1 year and 6 months. I know time will help but what else would be a good option without just paying interest on a loan I don’t need? I know good payment history is the most important, I'm paying on time, mostly ahead of time.

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