Questions about credit score disclosure from lenderI recently got pre-approved for a home loan. A few weeks later, I received a letter in the mail from my lender that said they must disclose the scores that the lender receives from their consumer reporting agency. They provided the credit score from each agency along with "key factors adversely affecting your credit score in the model used". While I am content with this score, I do want to maintain it, and I have questions about one key factor in particular: "Lack of recent installment loan information".Can someone give more examples of "installment loans"? I think the only account of mine that might fall into this category was a student loan paid in full & closed 3 years ago right before interest became due. If I am looking to buy an investment property in a few years, is there something other than a car loan that would help me prevent this ding to my score? Equifax and Transunion noted this as one key factor.November 23 2011 - Phoenix11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.