We always say (paid ahead of schedule) like that is a good thing and I think it is for us. Creditors may even like to see accounts paid sooner than required when they are deerming whether to grant new credit or not, but I don't believe that paying things off ahead of schedule is good for your FICO score. FICO likes to see consistency over time and the longer the better. That's just my two cents. I paid off my student loans as s-l-o-w-l-y as possible on automatic payments to help me rebuild after BK. I think that keeping the car account in your name showing 'pays as agreed' is best for your score, IMHO.