<prompt> Human: Last year I turned 21 and have started to take steps to create a credit history for myself. On December I went and purchased somethings from Conns a printer and speaker system for my familys living room t.v. the total with interest came out to be 2450.76. The first payment on January I made was for 100, the next months I paid 1000 becuase I had just recieved my tax return.I found out today that the total pay off amount is 678.76, I can pay it off right now but the purpose was to create credit history so my question is whether paying this loan off early will affect anything.Tl;DR Will paying off a debt early affect me if the purpose is to create credit history.Assistant: Did I go the wrong way trying to create credit history?  <response>: Likely. Its possible that the place doesnt even report on-time payments to credit bureaus. upf-changaways comment is helpful advice. A secured credit card is likely the best move. Spending 2500 on stuff you dont need for the sole purpose of raising your credit score makes no sense. 