[netskrill]

For 800+ FICO scores, you'll need 3 types of debt.

1) Installment Debt - i.e. a car loan

2) Mortgage Debt - mortgage loan

3) Revolving debt - credit cards, with balance under 50% of CC limit

and of course...no late payments on any of them.

[beardicus]

Anecdotally, this is untrue. I've had 800+ with just a credit card and an overdraft line of credit.