Lack of Installment Loan - Negative in CR

[NYFan63]

I ran my CR's from all three CRA's in early July.  One item negatively impacting my credit score was the following:

You have no recent activity from a non-mortgage installment loan.

Would it make sense for me to use my NFCU LOC for some home improvements I am making and pay it off as I go along to show activity? 

Or, since the NFCU is a LOC, I would need to get an installment loan, like a NFCU personal loan?

Thanks in advance.

[Revelate]

LOC likely is revolving unless it's a very large limit (maybe 35K or thereabouts); I'd sort it with a secured personal loan personally, I used and recommend Alliant but NFCU might work too but I haven't seen how their payments in advance work.

Gory details if you have the time to read the thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Installment-tradeline-utilization-thread/...

[NYFan63]

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@Revelate wrote:

LOC likely is revolving unless it's a very large limit (maybe 35K or thereabouts); I'd sort it with a secured personal loan personally, I used and recommend Alliant but NFCU might work too but I haven't seen how their payments in advance work.

Gory details if you have the time to read the thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Installment-tradeline-utilization-thread/...

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Thanks Revelate