<prompt> Human: Remaining balance: 8.2kAPR: 11.25Life of loan: 72 monthsOwned car for about 16 monthsMinimum: 300Current score: 741I have enough to pay off the loan but I got an idea to leave a small balance of maybe like 30 and pay 0.9375 every month to increase my score. The next account on my credit is a credit card open for 18 months and another card open for 1 month. If I close the car account my score will definitely drop. Im trying to buy a house in 2 years so the score will help me in the long run. Ally auto says next payment is due in 2019 because Ive been putting 3x the minimum payment.Is this a bad idea? What are the possible outcomes if I do this? What about outcomes for just paying it off?Edit: change a value  <response>: I paid off my car and student loan like 3 months before I bought my house last year. Had no real impact on my FICO score, which is what is used for mortgages. Just pay off the loan and be done with it. CKs scores arent real. Dont obsess over them. To be blunt, you appear to be seeking someone who will agree with your decision, as you are debating everyone here telling you to pay off the loan. The fact that pretty much every person in this thread is saying pay the loan should mean something, but you dont seem to want to listen. 