<prompt> Human: About 5 years ago I destroyed my credit. This time last year my credit score was 540. I needed a car but couldnt get approved so my mother in law got the loan in her name and I just make the payments on it. My credit score is now 610 and Im wondering if now is a good time to get the loan in my name or if I should continue on building my credit.The current loanTotal balance: 15,671.63Interest: 10.09Monthly payment: 347.42Payments remaining: 57Im looking at buying a house in the next 18 months so I dont want to do anything that will make my credit score go down.  <response>: Im not an expert, but Id be concerned about adding 15k in debt to my credit report if I was planning on buying a house soon. Not because of my credit score, but because you might be required to pay off that amount before being approved for the loan you want. Youre a higher risk from what I understand if you already owe money in other places. 