<prompt> Human: Hello! So i recently paid off a loan in full for 1k. Today i found out that i owe .38 cents, i dont have to pay it until next year. Would it be smart to just leave it for a few months accumulating a few dollars in debt so it will help my credit score or should i just pay the .38 cents?  <response>: Never, ever, pay a penny of interest in the name of raising your credit score. Period. It doesnt help, and only costs you money needlessly. That myth needs to die. 