This is just interpretation of one's report, not actual FICO or even Vantage applicable necessarily (though of course, showing a diverse set of accounts is absolutely a thing under FICO).
I really need to get into the office unfortunately, if we pick a source (MF, CK, other?) I might be able to see when I changed into different categories. AFAIK If you have both revolving and installment accounts on your report you max out the majority (if not all) of the credit mix part of the classic scorecards when we're talking FICO 8 or earlier with the exception of NextGen.
Some AU models split out auto loan specifically apparently looking at my reason codes.
Actually heck I can't find an credit mix thing in a quick check of CK nor MF, maybe not looking right place, but I know some like credit.com aren't reflective of reality... i.e. they break out mortgages and student loans both, and that's just not correct for FICO where they are both just installment. Then again I am exceptional there 
@Anonymous wrote:Ha! I talked to a mortgage broker buddy of mine and asked him to look for the smallest mortgage loan they've ever done at his large office and he said there's nothing low enough to get my interest. I'd totally do a $4000 mortgage with 99% down payment if they offered it, but alas they don't and I don't want to bother with income proof or tax returns or any such thing when I would prefer to do a stated income no doc loan with 99% down just to have a mortgage report.
I told him that $4000 for 10 years at 4.5% is $41 a month and they'd make money on it, but he scoffed.
I barely graduated high school so student loans are out of the question.
Auto loan I'd only do if I can find a tax loophole on my own car + private driver costs + mileage credit on depreciation and costs from the IRS. Working on that with my tax attorney now looking for loopholes.
Might consider a boat loan, though, at the end of this year. I can PIF the boat entirely but the head of my local yacht club is also a boat loan underwriter and he said he can hook me up and not have an issue with a 96% payoff day 2. Not sure how the boat loans report, though.
Ok - your credit mix is highly unlikely to rate exceptional anytime soon due to the paltry # of open accounts you have. Believe me - I know. I have 1 open mortgage, 4 credit cards, 1 charge card and 1 AU credit card. I rate very good on Mix per MyFICO reports and poor on the CK scale. Scoring 850 with sub optimal mix is not a problem.
Every simulator I have tested either rewards me with a higher score or no change if I were to get a car loan. No score drop due to new account or associated inquiry. Doesn't matter if the loan were 5k or 50k as my mostly paid down mortgage would keep aggregate B/L low enough either way. As supporting info I sometimes get a "you have no recent activitity from an auto loan" and/or "you have not established a long installment credit history". As we should know by now, a mortgage is categorized differently than a basic installment loan AND within installment loan group an auto loan appears to get "special" recognition.
I always pay cash for cars but, next time around I might take out a partial loan to see how it impacts score. Do I think some of my Fico scores will increase - yes. Do I think my mix rating will achieve exceptional status - No (I lack critical mass on # of accounts). No plans to open 5 or more accounts to reach that moniker.
P.S. I hate wireless keyboards - keystrokes missing from every post.... always have to edit.