Credit Mix Question

Thank you all for being so helpful! Because of your sound advice, my scores have improved almost 40 points since June 19th of this year! Currently, I have an installment loan for my car through a local bank. This is a 60 month loan that will be paid off in August 2016. The interest is very low, about 2%. I'm really worried that my scores are going to drop when the loan closes next year, but I might have an opportunity to extend the loan through December 2016. This is solely to keep a good mix of credit as I build my score in order to purchase a home. Should I jump on this opportunity if it comes through? Or should I take out another type of loan closer to the time the installment loan will be paid off? My current situation: Scores are EQ 631, TU 614, EX 628, and climbing pretty rapidly, though not high enough for approvals on most things just yet. I am keeping my util under 10% and making on-time payments. I currently have Discover It ($1800, just opened), Cap One QS ($750, open since 2013) and Cap One Secure ($200, open since Feb 2015). Cap One will not approve me for a CLI on the QS just yet. Maybe in 6 months.   I'll be gardening until Feb 2016, which is when all baddies fall from my report, leaving only 3 late pays on the C1 QS card (1 from 2013 and 2 from 2014).  I have under 10 inquiries.  I recently applied for Barclay Reward, Amazon store card and BofA Americard and was denied for all (yes, I called for recon-they want to see the baddies fall off my report before approval). BofA approved me a for a secure card offer, but I'm worried about having too many new accounts so I may hold off.  I have a 20 year credit history thanks to a card my parents opened for me when I was a kiddo, and I've made on-time payments other than the late pays mentioned above and the very old baddies (there are 5) again due to drop by Feb 2016.  Thoughts? 

AKO17 wrote:
Thank you all for being so helpful! Because of your sound advice, my scores have improved almost 40 points since June 19th of this year! Currently, I have an installment loan for my car through a local bank. This is a 60 month loan that will be paid off in August 2016. The interest is very low, about 2%. I'm really worried that my scores are going to drop when the loan closes next year, but I might have an opportunity to extend the loan through December 2016. This is solely to keep a good mix of credit as I build my score in order to purchase a home. Should I jump on this opportunity if it comes through? Or should I take out another type of loan closer to the time the installment loan will be paid off? My current situation: I would not extend the auto loan for that reason. Instead, open an account with SDFCU, put 500 in savings and do a 3 year share secured loan. Payments will be $14 and change. Make the first three payments out of pocket, then set it up to auto pay from the savings account. Set this up a few months before the car is paid off. Scores are EQ 631, TU 614, EX 628, and climbing pretty rapidly, though not high enough for approvals on most things just yet. I am keeping my util under 10% and making on-time payments. I currently have Discover It ($1800, just opened), Cap One QS ($750, open since 2013) and Cap One Secure ($200, open since Feb 2015). Cap One will not approve me for a CLI on the QS just yet. Maybe in 6 months. The recent lates are the reason Cap One is not granting CLI's. Keep trying every month, don't wait another 6 months. It does not hurt at all to ask. I ask every month like clockwork.  I'll be gardening until Feb 2016, which is when all baddies fall from my report, leaving only 3 late pays on the C1 QS card (1 from 2013 and 2 from 2014). "Fresh" late pays really hold your scores down. You should see score bumps as each late ages past 24 months. I have under 10 inquiries.  I recently applied for Barclay Reward, Amazon store card and BofA Americard and was denied for all (yes, I called for recon-they want to see the baddies fall off my report before approval). BofA approved me a for a secure card offer, but I'm worried about having too many new accounts so I may hold off. Barclays will want to see at leat 18 months of perfect payments. If you want them, apply again when your lates get at least that old. I have a 20 year credit history thanks to a card my parents opened for me when I was a kiddo, and I've made on-time payments other than the late pays mentioned above and the very old baddies (there are 5) again due to drop by Feb 2016. Whats are these baddies? Thoughts?  

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