Do I pay loan off in 8 months or 24 months?

[Tons_of_Debt]

The only thing I can tell  you is to keep trucking... at my level, I expect to see huge jumps (100+pts) in a matter of months... at your level, it takes a bit longer.

[Anonymous]

I think you may want to just keep paying the stuff and let the account age.  It will be hard to get up to the 700 mark with almost all newer accounts no matter what you do.  Length of history is too big of a factor.  If you want a higher score, let all your accoutn age out and don't pay them off early.  If you want to save money, pay off the interest bearing loan.  THat is my guess.  It seems you keep paying stuff off which is commendable but not necessarily growing your score. 

[Anonymous]

I always say pay a loan off early if you can.

The hit your score takes from the installment being paid is minimal. Moreover, just because you pay a loan off doesn't mean it vanishes from your CR. The account remains on your CR for ten years, just like any other closed, positive account. And paying off early looks great on a manual review.