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I take it you dont have any open installment loans on your report. If not. Some common types of installment accounts may include student loans, personal loans, auto loans, and mortgages. But your house is paid for. You could get a personal loan from your bank just to have a installment loan report. Dont go near amything that list as a consumer finance loan for furniture and such. Doesnt have to be a large amount.
Get a HELOC
@howellco2 wrote:
I have 2 car loans currently and have had personal loans in the past ...
As for Heloc it's a older double wide I own it and the land thou
Mortgages (and other home-related loans) are absolutely unnecessary if a person wants a high FICO score. Many people have reported a perfect FICO score (850) with no home loans.
What we should do is focus on the real concern of the OP which is to improve his score.
Howell, your signature says that your current scores are:
TU 667 EQ 665 EX 659
Are those accurate currently? Where are you getting those scores? Have you pulled your reports lately? (Reports are different from scores.)
We can help you (a) diagnose why your scores are low and (b) improve them. A mortgage will not help your scores, but there are many other things that will.
In order to do that we will need to ask you many questions about your profile. If you are up for that, let us know.