<prompt> Human: I dont know much about how credit scores work, so...The basic facts:Credit score: high 600sNo school loans2 credit cards - paid off each month.1 work credit card - paid off each month.No Other debt.So I was originally surprised that my credit score wasnt higher since I have always paid off any debt in the amount of time. When I bought a car two months ago, the loan agent said it was because I hadnt had any major debt to prove my credit worthiness. Dont get me wrong, I usually rack up credit card bills upwards of 2K a month at times, but always pay them off.Anyways, I now have a car loan of about 16K. I just recently got a nice windfall of an inheritance of roughly the same amount. Ive found out that there are no penalties with the loan agent to pay off the loan early. But Im wondering if I pay off the loan early if it will do anything to my credit score. Will it benefit my credit score for paying off early? Or would if hurt it since it was supposed to be over 60 months, and now paid off after roughly 3 months?I would prefer to pay off as much as possible now and get back to being debt free. But I also dont want to hurt my credit score for the future possible purchase of a house somewhere down the road.Would love to hear what you all have to say about this. Thanks in advance for any and all advice.  <response>: You seem to be worried about something that may or may not happen buying a house in the future. I say do the best fiscal thing for yourself now which would be pay the loan off in full. Opening more credit cards, keeping them open for years, and paying in full every month will slowly put your score where it should to be. 