<prompt> Human: My credit score is pretty good right now average 761. The only debt I have are my student loan payments 100 a month and my car payment 264 a month, 4 months left. Im planning on buying a house sometime within the next 6 months and I want my credit to be as good as possible. Should I go ahead and pay off the balance on my car payment, or is it too late to have a meaningful impact on my credit?  <response>: Its not too late. Paying the car off will positively affect your debt to income ratio at the time of getting a new loan. 