My comments in blue below.
@Anonymous wrote:
Want a long boost; I don't expect any installment loans for a while.
FAKO scores are around 750-780, I have 5-8 accounts open depending on the bureau, 0 closed.
I suggest you get your three FICO 8 scores. An easy way to do that is via the $1 trial offer at Credit Check Total. You should also sign up at creditscore.com which is free and will give you your FICO 8 and your report ay Experian.
Makes sense to have all your cards at zero except one, with the remaining card reporting a small balance. Do that before you pull your scores, since that way ypou'll know the most they can be without the SSL.
AAoA is 2 yrs, which is a thin-ish file.
A low AAoA doesn't make your profile thin. The Thin/thick distinction has to do with the number of accounts you have on your report. A thin profile is one with only 1-3 accounts. A person with three open accounts and six accounts total (closed and open together) is definitely no longer thin. There might be a tiny "thinnness" penalty at that point but even that almost certainly vanishes once you have seven open accounts and ten total.
What tool are you using to assess your AAoA?
Which is why a long-term SSL would really help me.
I just want to pick up a few more credit cards, so there isn't anything that I can't do right now, which is why if an easy SSL is available, I'd do that.
Once you get an EQ FICO 8 of 720, I would just get an unsecured personal loan at Alliant (make sure you get one with a 60 month term), pay it down to a small balance (8%), and then cancel any existing autopay. There will be a hard pull, but you shouldn't be concerned about that since you have no desire to buy a house in the next 13 months. FICO ignores all inquiries over the age of 1 year anyway.
