Yup i had payed off my car in full after a few months. My FA at the time, whom i fired begged me not to pay it off in full. It also makes keeping shit impossible, for the longest time. Sure you have a paid off car, but you would need to get a new one anyways or something of a revolving account to get your score back up, due to inactivity. The FICO system is corrupt enough as it is, adding internet search history would make it even more corrupted. Honestly, im a big fan of coin minting, go back to the days of the worth of the coin being on its face, no more derivative swapping bullshit on cotton bills