How to mix up my credit?

[Workmanp]

So I have been reading on here aswell as on Transunion that having a good mix of credit raises your score.  IE, having revolving accounts as well as installment loans.  So, I currently have 4 revolving accounts, but zero installment accounts.  When I ran the "Estimate your score" app on Transunion, if I were to mix in 2 Installment loan accounts, my score would go up considerably.  My question is, is a Personal Loan wiht my bank considered an Installment loan?  I already own a car, and wont be purchasing a house for atleast 2 years, so im not really sure where I could get an installment loan.  I just recently paid off ALL my credit card debt, so im looking at trying to find ways to keep my credit  history going, I dont want it to remain stale.  But I dont really need anything right now........

[Shogun]

From a financial point of view, I wouldn't take a loan out and pay interest if I didn't have to.  Don't count on that simulator, it does some funny thing.  If you don't need credit, don't get it.  Garden what you have and if you have any cleaning to do on your report, then concentrate on that.