<prompt> Human: Im not sure if this is unusual but my credit union allows me to pay off my personal loan principal and it doesnt affect my last payment date.I took out a vehicle loan for 60 months through them. Technically I could leave say 120 in my bank account and they pull 2month for the next 5 years. This seems like it could help my credit score in the long term even if I could pay it off.I use MINT and it indicates that by keeping my of accounts and my average credit age higher, my credit score should reflect that - how true is that?. Also can lending institutions see how much principal remains?My 3 year plan includes buying a house in an expensive market so Im just trying to grasp potential benefits.  <response>: No. Just pay it off. 