<prompt> Human: So my parents just sold their old home the house I grew up in, and made about 330k from the profits. As the title says they want to pay it all off for me. My credit is currently in the high 400s to low 500s the last time I checked not this year thankfully what with the Equifax fiasco. Now I of course appreciate and welcome such a proposition, but Im curious how much of a change to my credit score it will be if I pay it all off at once as opposed to paying a decent chunk say half and then continuing monthly payments until its all paid off as opposed to continuing my payments as is. My monthly payments towards it now are a minimum of about 125mo, but with splitting most of my billsgroceries with my girlfriend, Ive been paying significantly more per month than needed. Any advice would be greatly appreciated and I apologize if this is in the subreddit wiki. Also apologize for any misspellings or weird grammar as Im typing this on a newish phone.Thank you rpersonalfinance!  <response>: Pay it off. Theres better ways of building your credit than paying interest on a debt. 