<prompt> Human: Im in a position to pay off my car loan completely. Its 3.5 interest and payments are 385 a month with 14k left on the loan. Checked my fico at 750 but its noted the lengths of my open accounts are low. Would it be better to just pay off the loan or use it to build credit ? No other loans and Ill still have enough for emergency.  <response>: Never ever pay interest for the purposes of improving your score.That is backwards thinking. The whole reason you want a good score is so you can secure better, cheaper, credit options. Meaning a good score saves you money.Spending money for the sake of your score is the reverse of what youre actually trying to accomplish which is spending less money. 