what I was trying to tell you was that once you have a credit file and a CS then it is the five key factors that matter. Payments on time, total accounts, utilization, inquiries and credit length. Based on that I was saying that the CB's care more about AAOA than of total and mixed accounts
All payments by me are on time.
I have a decent amount of accounts. - all revolving.
Extremely low utilization.
I have many inquiries
. High- but not too high.
And quite a young AAOA.
What the CB care for is irrelevant, it's the banks who have a say, they always want a mix, more specifically some sort if installment loan.
So although at the moment a new account may reduce my AAOA(truthfully not by much), in the long run it'll give a mix, and show an installment loan. Again, I'm not looking for a CS quick fix, my score is great at the moment (EX FICO 750, including my recent dip for multiple new accounts and inquiries), and I know it'll take a dip if I take out a loan, but for my file it'll be great, and even for my score in the long run.
So with PayPal out of the question, I know have 2 questions.
1. Should I be an installment loan, or what else should it be?
2. Assuming an installment loan is the way to go, how should I go about that?