<prompt> Human: Hello!I just made the final payment on my car loan, which feels great! My girlfriend and I have decided to try being a one-car home to save some extra money. She gets much better MPG with her Honda Fit than I do with my Jeep Wrangler so that choice is easy. Sell the Jeep for a lump sum of cash 15-17k and save money by carpooling. I work from home so sharing a car works out fine.Heres the financial part I need help with. Im 32 with pretty poor credit around 630 or so from making foolish decisions in my past. Since then Ive been working on paying down debt, opened an IRA, etc. All the steps from the sidebar. The car cash will be used to pay the rest of my debt and open up a mutual fund for the rest. Unless...To work on repairing my credit, would it be smart to buy a used, modest car and make steady payments on it? Or would it be smart to just have a paid-off loan on my report.TL;DR- Paid off and selling my expensive car to save money. Would it be smart to buy a cheap, used car just to have steady car payments on my credit report.EDIT: The used car purchase wouldnt be in lieu of paying off debt. The down payment 1-2k would come from the money used in the mutual fund.  <response>: No. It is never worth taking out a loan solely for the purposes of improving credit scores. Great credit scores can and should be built for free. 