The only thing that can possibly affect your score in that sense is if you ONLY have a loan, no revolving credit, and you pay it off - now you have no credit utilization at all, which potentially could ding you a bit, but not much. That’s also not very common - most people have several credit cards and few loans, if any.

Ah, that would happen to be my exact experience, oddly enough. I don’t have any credit cards and payed off my car loan early because the bank was playing games with automatic payments.

It’s moreso a rating of how much potential cash they can extract from you over a lifetime in the form of interest.

That’s why, if you always pay off your debt balance before interest accrues, it actually lowers your score.

Thankfully, most of that shit is still on magtape, so actually have to work for it.

The people who made fun of you won’t be laughing when they share 50% of the blame during the damage claim phase of an accident.

Turns out that the current administration was just a bunch of DUI hires.

Relevant: https://www.youtube.com/watch?v=_jV1FAXPX9g

I’d recommend powdered detergent instead. It’s usually far cheaper per load since you aren’t paying for them to ship you the water that’s in the liquid detergent.

You also don’t need to follow the ‘load size’ guidelines listed on the scoop, as only the bottom line or two is really adding anything to most loads.

Relevant Technology Connections Video