I think having an active auto score with good payment history will actually help your score. Paying it off may actually drop your score as you will no longer have the variety of loans. The way to get the most money for your car will be to sell it private party. However, if you are able to get a tax break for trading in the car it may make sense to trade it into the dealer. In Kansas If I but a $30,000 car and have a trade they give me $20,000 for (even if you owe money) you only pay taxes on the difference, or $10,000 in this example. In the listed example, I would save $1,870 in taxes by trading in the car to the dealer.
If you have a Carmax near you, take it in for a free buy offer. Carmax is one of the biggest buyer of used cars and their offer will let you know what your car is truly worth. You are under no obligation to sell or buy from them. but you can use the number they give you when trading the Dart in (or selling it). I also recommend looking on Cargurus.com and see what similar cars are selling for in your region.
Having 13 inquiries fall off will certainly give your score a boost. The student loan can be a positive if you have a good payment history. It will hurt your debt to income ratio because it is another payment. You will have to read elsewhere on this site, but a variety of credit products is helpful, mortgage, credit card, auto loan etc.
I wish you luck and please let us know how things work out.
I'll definitely followup here so the thread can be used for others. The student loans deferred so I'm using payment wise that doesn't matter since there isn't one(though the balance counts against me still in sure)
I made a separate thread in Fido scoring but someone may be able to help here too. I'm assuming I want the Dart on my record since it probably helps my installment utilization?
Does anyone know if at a year of auto payments I could expect a boost?
If at3 years from last 180+ payment I might get a slight boost?
Orrrr at what point do new accounts dings start to lessen?