<prompt> Human: I have 2 car notes 360 each, and I am 2 years into a 30 year mortgage. The first car will be paid off soon. My question, is it better on your credit score to have two completed auto loans or get started paying down my mortgage early by 2 years. Ultimately I plan to redirect the entire 720 to the mortgage  <response>: Highest interest rate first. Stop obsessing over your credit. 