This board is split on what is the perfect credit mix. So I am asking the question a different way-- What should one aim for when building credit? What is the methodical and logical progression of credit attainment and score increases. Let's assume the "builder has a secured or unsecured credit card with low limits" no dergoratory information and is in their mid-twenties with 1 year at employer--renting of cource. What should he pursue next in his/her creditworthiness steps?