What is the loan type on the Experian credit report for your mortgage? Ie the field that would show car loan, credit card etc. The scoring computation would be using that not the account type field. What you are looking it is the field the reports Revolving, Installment, etc which the the account type field.
Equifax My FICO score 815 5/28/2012. Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805
