As part of my rebuilding process, about 4 months ago I obtained a number of secured installment loans from my local credit union. These loans, which are secured by the cash in my savings account, are scheduled to be repaid over a period of 24 months. My question is this. If I let the loans run until the 13th month and then decide to pay them off early in a lump sum, will that hurt my score and the beneficial effects that these loans are having on it? I would think that letting them run for a year and a month would give me the payment history and positive effect I am looking for, but I am not 100% sure. I don't want to do anything to jeopardize my rebuilding efforts with respect to these loans, so it is important that I know with certainty the effect of paying them off early. Any thoughts, opinions, advice...???