The option that will most likely increase your credit score is:
You have a major credit card, a store credit card, and a gasoline credit card, as well as a student loan and an auto loan.
Having a diverse mix of credit types (revolving credit like credit cards and installment loans like student and auto loans) can positively impact your credit score. It shows that you can handle different types of credit responsibly.
The other options are likely to have a negative impact on your credit score:
-
Your credit record goes back years, but all your current loans and/or accounts were opened recently. This could work against you as it may indicate new credit risk.
-
You have many missed or late payments on your credit cards or loans. This will definitely lower your credit score.
-
You recently applied for several credit cards. Multiple applications can result in hard inquiries, which can negatively affect your score.