Some people do see a benefit from adding a mortgage loan to their profile. It improves your mix of credit. At the same time, it adds a new account, so you'll get dinged for an inquiry and lowering your AAoA.
Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720Take the FICO Fitness Challenge
