Credit is based on you ability to handle debt, not how quickly you pay it off. If you make regular, on time payments it will improve your credit because it shows that you are able to make regular payments on schedule and no mess it up. Think about it this way, if you pay something off quickly, the finance company gets less interest and therefore makes less money. You may not be a "risk" but you would not be considered an ideal customer to them. Everything about the credit system is based on making regular payments over a set period of time on schedule and just about anything that strays from that path will not be adding to your credit rating.

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