This question is for all credit gurus out there.

The title says it all. Since "type of credit" is one of the weighing factors in FICO scoring model, should I take out a small personal loan (say $1000 for 1 year) to raise my FICO score? What will be it's impact on my FICO score with the process of time?

My CU offers a 1 year secured CD for $1000 at very low interest rate.

Thanks in advance!