How high can my credit score climb if I have only credit cards in my credit history?

My current credit score is 745 and I've built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?|||You don't need an installment loan. More often than not, they pull you DOWN. Who told you that?|||Icame across a free online webinar on this... umm it's at..





www.ficsitnow.com FICS - First Integrated Credit Solution

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|||To maintain good credit you must understand credit card limits, balances and the credit market is important to your financial health. This article explains it in depth and makes it very simple to understand:


http://www.ehow.com/how_481615鈥?/a>

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|||try to remember ....that a credit score is based on debt.a fico score. you must stay in debt to have a credit score. it is made up of payment history,charges made, inquireies made.





the borrower is slave to the lender. you dont need a credit score for anything or a credit cartd either. debit cards work just like credit cards. mortgages can be had from several lenders that do manual underwriting. want to learn how to be debt free? check out www.daveramsey.com it will change your life !