Answer: -Pay it off as soon as you can, it will do so much for your credit score. If you can do it, do it, because you will not pay that interest, and it will show as a paid off loan which will boost your credit, also, it will show the term of the loan and how you only had it for a few months will make you a better borrower on your credit. -I have recently learned that credit is based on history and by paying it before a year does not show alot of history, paying more than what's due helps alot but give it at least a year if that is your largest debt, in the long run it will do the most boosting to your score. -4 but it will do no more for your credit then just paying regular monthly payments. I have been in credit reporting for over 2 years you get the same credit as any payoff. -If you have limited credti depth less than 4 years or so you should keep your auto loan open for at least 12 months to show a good pay history. If you want to boost your scores pay off those credit cards and get them to a zero balance, do not close them just pay them off. Having available credit will boost your score. Your credit card debt should always be at 1/3 of what your high credit is or it is giving you a negitive affect on your score.