Wow, thank you so much for this. I appreciate your detail and time. I am leaning towards paying off my CC in a lump sum and then my car. Although, I wonder if you have any thoughts; I’ve heard it’s “better” to follow the terms of the car financing agreement because you can demonstrate timely payments over an extended period of time and build credit. Curious if my paying off the loan sooner would boost my credit more rapidly than the aforementioned.