Which types of credit can affect a credit score as listed in credit reports?

The correct choice identifies the types of credit that can impact a credit score, which is crucial for understanding how credit reporting works. Credit reports typically include various types of credit accounts, including installment loans (like personal loans or auto loans), revolving credit (like credit cards), mortgages, and lines of credit.

Each of these types can influence a credit score differently. For instance, installment loans require fixed monthly payments over a set period, demonstrating to lenders that a borrower can handle predictable payments. Revolving credit, such as credit cards, allows users to borrow up to a limit and pay it back, highlighting how responsibly they manage their credit utilization and payment history. Mortgages involve larger sums and longer terms, contributing to the long-term management and responsibility of debt.

Understanding this variety is key for individuals looking to improve their credit score or manage their borrowing effectively. The other options do not reflect the breadth of credit types included in a credit report, thereby overlooking significant elements that influence credit scores.