CC or Loan? Best way to improve credit rating?

[E78K]

Thanks everyone for your input.

EZ,

I should have clarified.  I do not need to do any of those (car, mortgage) in at least the next 12 months.  However, I would like to take actions to raise my score if I can.  So that is why I wanted to see if spending that 'day' applying would be helpful as the history of hard pulls would be gone prior to my next car etc...  I can continue to pay it down as I am currently doing but in all reality I do not see a significant impact to the available credit for a few years.

[lhcole77]

I vote for CLIs and/or opening another Navy cc.

Lowering your overall UTL will raise score. Wether you do this through new cards or a loan is personal choice.

[E78K]

Does anyone know if there is a way to actually speak to someone who can say, 'Well this guy was an idiot who only closed his old accounts.  He accidentally made it seem like he over extended. Since I have the authority I can waive his current rating and ....'