The good thing is, @Anonymous , you're doing a proper buildup and your profile is already more solid than many with years more on them. At five years, let alone ten, yours will be bulletproof. Definitely one of the shining examples of How To Do It 
@Anonymous wrote:THx a LOT
So the moral to the story I think is better to get two or 3 loans vs one loan, since that will generate more payments in shorter amount of time.
Absolutely not. Every loan you get is another weight on your scores.
@SouthJamaica wrote:
@Anonymous wrote:THx a LOT
So the moral to the story I think is better to get two or 3 loans vs one loan, since that will generate more payments in shorter amount of time.
Absolutely not. Every loan you get is another weight on your scores.
+1 "Number of on time payments" is a CMS/VantageScore thing and is not a scored metric in FICO. FICO payment history looks at the recency, severity, and to some extent number of late payments reporting and how many of your accounts have ever been late. You can't swamp the metric by taking out multiple lines to have a larger number of "positive" payments. Usually, the most you can hope for in taking out additional installments is that your scores not go down due to their impact on aging metrics, # of accounts w/ a balance, b:l ratio, and dollars owed. As @Anonymous said, refer back to the answers in your other thread for best practices in growing a new profile.
