The SSL Technique is the Share Secure Loan Technique. It is what several of the commenters (including myself) have been suggesting to you. I gave you a link to a thread that discusses it earlier.
Here it is again, for your convenience.
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Adding-an-installment-loan-the-Share-Secu...
All you need to do is read the first 2-3 posts in that thread.
