What is better to increase a FICO score ?

[joeblow2]

Another ?. What is better for increasing a FICO score a CC bal of $100 and paying $20 a month on it ($6000 CCL) also trying to maintain a constant bal <=$100 so a balance gets reported.  or a 3 or 4 year Auto loan with fixed payments or are they of equal weight to FICO scoring?

[Junejer]

CCs trumps installment util seven days a week. Make sure you pay that $100 off after the statement cuts and before the due date, so that you don't get charged any interest.

[joeblow2]

I don't mind paying $1 or less a month in interest to boost my FICO score. So does CC debt add alot more fico scores than a 5 year auto loan?

[Junejer]

Yep. I added a car loan and I don't think I had any points added to my score. When I added my first open CC, in quite a few years, and had it report 4% util, I gained 71 points.