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I want to build good credit, is this a good idea? (please read details)?

zeitgeist057
My current credit score hovers around 800. Sometimes up to 811, other times dropping to 798. I have about a dozen credit cards and pay them all in full each month. I rotate through them to keep them all active and in use.

When I check my credit score, I often get advice from the "credit manager" feature that my credit score doesn't have any long term loans. It advises that I take out a loan and make consistent payments to improve my credit score.

When COVID came, my small business qualified for an SBA disaster relief loan, so I took it. I now have the ability to pay the loan back in full, but I am considering NOT paying it in full, and just making the minimum payments ($22) for the next 20-30 years. It's so low I won't miss it and I am hoping it will improve my credit score.

Will this plan work? Is it a good plan? I did the math on the interest and it will cost me about $2000 for 25 years. I think that's a very low amount of interest, and also that $2500 today with inflation will be equivalent to $5000 or more in 25 years.
I want to build good credit, is this a good idea? (please read details)?
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