Sorry I must have doubled posted anyways.I have an auto loan and a student loan that I think is lowering my credit score. Right now I have the ability to pay off one of them. I'm 21 and don't have much history when it comes to credit. How much of a boost do you think I would get if I did pay off one of the loans. Each loan is around $3500.Is there any quick way to increase my credit rating?I'm looking into buying a house and would prefer to have the lowest rate I can get my hands on.