@jmpaisley77 wrote:I have an auto loan, been reporting to my credit reports for 9 months, no missed payments. I want to pay this off completely. My question is, am I better credit score wise to wait til this has reported for one full year and pay it off.......or go ahead and pay it off now?.....or will this have no effect either way? I think I have read in the past where you get a credit score bump each time an account makes it a year reporting? Thank
If it'll save you non-trivial interest than kick it to the curb.
Otherwise from a pure FICO reporting perspective, longer tradelines are better. Anecdotally there might be a bump at the 1 year mark but it's hard to isolate an individual tradeline for most of the individuals on this forum who start rebuilding from a singular point in time onward. It certainly seems like there's an anniversary there from my own personal experience, but I have had a busy report over the last 2 years: isolation problem 
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@takeshi74 wrote:
@jmpaisley77 wrote:I think I have read in the past where you get a credit score bump each time an account makes it a year reporting?
Doesn't matter either way from that standpoint. Closed accounts in good standing generally continue to report for 10 years after close. If scoring is your top concern then make sure your revolving utilization is in check before addressing installments.
For AAoA it doesn't matter, but tradelines are scored individually as well and length of payment history anecdotally counts: tradeline seasoning as it's known.