<prompt> Human: Hey Reddit. 2 years ago I bought a house. Last December I bought a jet ski. Now I put 5000 down on the jet ski and financed the rest at 4.5 for 3 years. January was my first payment. Ive been putting extra down on the principle to pay it off in 2 years. Now lately Ive been working a crap load of over time and I have enough money in my checking to pay off the loan. I have plenty of money in my savings, thats why Im thinking of utilizing this money to pay off the jet ski instead of putting it in my savings. I would just go ahead and pay it off but someone told me that if I pay it off too early the fact that I borrowed that money would never show up and help my credit score. Thoughts? The house and the jet ski is the only debit I have.Update: Ill pay off the Jet Ski! For the record I had the money in my savings to buy the Jet Ski outright but my parents wanted me to take a loan so I wouldnt deplete my savings for any emergencies. One year later, I didnt have any emergencies!  <response>: Dont pay interest to build credit. Pay off the loan if you have the money to do so. If you want to build your credit score, get a credit card, use it every month on essential expenses, and pay it off in full at the end of each statement cycle. No interest, and a great way to build up a positive history of credit usage and repayment for free. 