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? If you are looking for the free credit score national site, check out this site

http://Free-Credit-Score-National.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.

Hope this help,