I took out an auto loan for $3,000 a couple years ago when we were struggling financially. We are all caught up on debt have great employment and are in good standing financially. The only thing still hurting is my credit score from missed payments and debt when we were struggling. Now that we are caught up and have good amount of savings, I only have $200 left on my loan which I can pay off now but don't want to pay the loan off too early and make my credit score suffer more. Should I take out a personal loan before paying off this auto loan so I have a decent open line of credit before this one closes out? I've got two credit cards but they together only give me $900 of an open credit line. My next loan payment is coming up, just wanted some advice before anything drastic happens.
