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IF I HAVE A CAR LOAN THAT I COULD PAY OFF EASILY THAT IVE HAD FOR 2 MONTHS WOULD THAT HELP ARE HURT MY CREDIT SCORE??? ALSO I INVESTED IN SOME CDS FROM THE BANK AN MY MATURITY DATE IS CLOSELY COMING UP AN MY QUESTION IS IF I CLOSE THE ACCOUNT AFTHER MY ENDING DATE WOULD THAT HELP MY CREDIT SCORE ARE HURT `ITS BEEN A YEAR ? THANKS WELL AHEAD 4 THE INFO.....
If you pay off the car loan it will stay on your CR for 10 years from the time paid as a good account and add to the AAoA of your CR. As far as your investment CDs, these are not included on CRs so no information about them would benefit.
I also am not sure how other creditors, specifically auto financing companies, will look at paying an auto loan for 2 months only. I would think they would want to see some payment history and 2 months may be too short......maybe 6 minimum before the PIF date? I'm not 100% sure that this will play a role but it does come to my mind that it may present an issue in the future for another car loan, especially since most car loans use the auto-enhanced scoring model.
On manual review yes that could be a factor. If you actually have the money to pay it off. Put it in savings account that is not linked to other accounts and keep paying monthly. IMO I would pay for a least 11 months. Then Pay FUll