<prompt> Human: So my car payment is about 220 a month, but my plan for the summer is to pay off as much as I can ideally 400 a month before I go back to school since Ill be working a lot. However, my friend was telling me that if my car payments are not a consistent amount each month, it hurts my credit score. Can anyone elaborate on this? In addition, if this is true, is there a way around it? Cheers.  <response>: Its just not true.Read our wikipages on credit and on how credit reports and credit building works 