<prompt> Human: Spent the last few years paying off some loans. Im down to a single car payment of 201month with 7800 left on it. I have the funds to pay the car off now but Im worries about the credit score hit and long term plans include getting into rental properties. With no debt will my credit core stagnate or drop? Should I keep the very easily affordable loan just to keep my credit score up while building funds to purchase my first rental? Any advice would be appreciated.  <response>: Do NOT spend money to raise or maintain your score, use a credit card responsibly and youll be A-OK. 