There are many posters in here who hit 800 with no loans whatsoever (e.g. mortgage, SLs, personal loans, car, etc.).

 

There aren't too many that hit above 760 without a revolving. In fact, I can't think of any but might be possible.

 

I hit 777 on EQ FICO with no loans and an AAoA of 4 yrs. Hit 750ish on TU FICO with the same. 

Thanks for the Tip with examples on people whom have excellent scores without loans. I was considering a personal loan just to diversify and increase my score. I currently have no debt and don't need any other loans at this time. A personal loan would of been possibly a waste of expense while lowering my AAoA. This while dropping my score a couple of points in the process. Thanks for the advice as I'll just hold my 4 credit cards for the long haul

I have never had an installment loan and my EX FICO was 790 when I got my letter back from my Amex BCE application. It has been a number of months since I pulled my EQ and I could have sworn it was something like 750-760. I don't know my TU FICO because there is no real way to get a useful FICO score for it.

I had a score above 800 (813) with only credit cards (no mortgage, no car loan, no student loan).  Since doing app-o-ramas (starting 2007), my score has been in the 790 range.  Again, without any installment accounts.