<prompt> Human: So I will soon be in a position to pay off the remaining 7,000 balance on my car. I do not have good credit and I am working on making it better. Does it make more sense to pay off the existing car early, or does it make more sense to trade the car in and use the money towards a down payment on another car? Is it better to pay a loan off early or is it better to open another line of credit? Which will have a more positive impact on my credit score?Edit: I did check FAQ but the I recently came into x dollars didnt really fit, nor did any of the FAQs about vehicle. If I overlooked this please forgive me.  <response>: Dont take out a new loan just to build credit. 