<prompt> Human: If I have a couple credit cards and one installment loan, is that enough to max out the credit diversity criterion for my FICO score?  <response>: Dont over think this. Use your credit responsibly, and itll take care of itself. Using nothing but 3 different store cards, and an auto-loan I built myself and my wife to the mid-700s range. Added in a mortgage, and a couple more years, and got myself to 830 and her to 800.Responsibility and time are all it takes. 