<prompt> Human: I sent in the following email today:Hello,I am attempting to pay off my Ford F-150 loan by 06182016 last pay period being 06022016.I see that I currently as of 1052015 owe 7,166.21. I have 8 pay periods left that I would like to squeeze all my payments into. Thats roughly 7166.218895.78 900.Request how I can go about increasing my payments per month to 900. I would like to increase this payment plan by my next payment period 1122015.Thank you for your assistance.And I received the following response:Thank you for your email. Your payment does not need to be changed. Anything over your payment amount will automatically go towards principal. Also, it will look better on your credit report because we report when you pay over the required amount. If you have an automatic payment you can either update that auto payment amount, or send in the extra amount. Please let us know if we can help you with anything else.We appreciate your membership with XXX. If you have further questions or concerns, feel free to contact us by email, chat, or by phone, at , and a representative will be happy to assist you.Thank you,I would like to pay off the loan in 2 years. I am able to pay it all off right now but am dragging it out to get some credit out of it. If I pay it all off in 2 years June of 2016 will it hurt my credit?  <response>: Carrying debt for the purpose of a credit score is a poor idea.Your bank doesnt want you to pay more than the minimum because they are losing out on money that way.Paying more than you need to pay isnt going to hurt you. 