<prompt> Human: Ive looked around around the internet and Im finding conflicting answers. My parents always told me that a relatively small loan would help my credit. My score is currently 788, and Im 28.Ive got loans through 2 institutions:Institution A: 8500 split into 3 groupsGroup 1: 2500 6.5Group 2: 4500 6.5Group 3: 1500 4.5Institution B: 4000 5.5Automatic payment through both institutions gives me a .25 discount off those interest rates. Each loan is scheduled to be paid off in 2018.I have an emergency fund, I am contributing to my 401k and rIRA fully. I have enough in savings to pay both of these off. Ive held off paying them off because most of the time my parents give me pretty good advice. Neither of them are financial experts though. My mother always stresses having a good credit score and said the installment loan would help. I am considering three options:Option A: Pay off Institution A, keep institution B so I can diversify the types of credit Im currently using.Option B: Pay them both.Option C: Leave them as they are now and finish paying them in 2018.Now that Im thinking more about my finances, it seems silly to let these sit if they wont negatively affect my credit score. Im sorry to beat a dead horse. I know many questions are asked regarding this and my situation doesnt make me a snowflake. Most of what Ive been able to find in personalfinance leads me to believe that I should just pay them off, but any advice would be greatly appreciated.  <response>: Option B.Do not ever pay a dime in interest that you dont have to. 