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If it is a secured loan, although it may be tempting because it is costing you money to pay interest, don't pay it off early unless you have found a better alternative. Credit history is exactly that - history of your payments. The longer you have the loan, the better off you'll be in the long run. Look at the money you are paying in interest as an investment - maybe even the best you have ever made. With good credit, you will save tens of thousands of dollars in interest on big ticket items, such as a house.
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NoSoup, I'm not sure I understand your logic for this. If I have a loan that I'm paying interest on, and I have saved up enough money to pay off the debt, and my savings interest rate is substantially lower than the loan's interest rate, I don't see any reason why I wouldn't want to pay off the debt. I have a great credit score, and would like to make it better, but I don't consider it worth paying for. Perhaps what you are trying to say is correct, but only in certain situations?
Also, with the AnnualCreditReport, can I get my credit reports once every calendar year, or if I get them in December do I have to wait 12 months to get them again? Also, I'm looking at the las ttime I got an equifax report via the free annual credit report, and I don't see where my score is listed anywhere, it just has all the information that I believe is normally used to generate a score. Is there a free way to find your credit score?