We carry 3 credit cards; two are over 30 years old. We've financed all 5 new cars(*) we've bought. We bought a house and paid off the mortgage. And our credit score is floating around 800-820. One month one score peaked at 843.

Apparently having credit cards older than most redditors isn't enough. Having 30+ years of "perfect" history is not enough. Every time I get a credit summary, it keeps whining about not having the proper types of loans.

I'd love to hit the magic 850, but I don't care enough to game the system.

(*) -- we properly financed 3 cars. New car #4 we wrote a check for 50% and financed the other half. I wasn't emotionally ready to write a check to buy a car. I could've. Car #5, I walked into the dealership intending to write a check to pay for the car, but found out our email-ngotiated price included $500 factory financing incentive. So I played the game, asked the dealership what was the minimum I'd have to finance to get the incentive, AND could I pay it off immediately. After confirming both by reading the fine print, I financed about 1/3 and wrote a check for 2/3. Then as soon as I got the first bill, I sent them a payment in full and paid off the loan. I paid about $22 dollars in interest to get that $500 incentive.