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Some factors are commonly mistaken as things that influence credit scores, but they actually do not - not directly at least. Certain information like income, bank balances, and employment status can influence your ability to get approved, but they do not factor into your credit score. Age, marital status, and debit/prepaid card usage also do not influence your credit score.
Each time you make an application that requires a credit check, an inquiry is placed on your credit report showing that you've made a credit-based application. Inquiries is 10% of your credit score. One or two inquiries won't hurt terribly, but several inquiries, especially within a short period of time can cost tens of points. Keep your applications to a minimum to preserve your credit score.
There are two basic types of credit accounts: revolving accounts and installment loans. Having both types of accounts on your credit report is better for your credit score because it indicates you have experience managing various types of credit. Types of credit is only 10% of your credit score, so not having a certain type of credit, e.g. an installment loan, won't devastate your credit score.