I am considering just leaving a balance of $50 on the 3 creditors I have loans with.. I have perfect records with each. Also, now my next pay date is for the year 2003, sometime in June I believe.. so I can just let these hang till then and try and build good history? Anyone know the optimal way in building good credit with this?? ------------------ I have about $10K left in student loans.. with 3 different creditors. I know I can pay the entire balance off by this June/July. My plan is to pay all three creditors all but $50 on each on.. so I will still owe a total of $150. These loans have GREAT history.. meaning no lates or anything. I just started paying this last year as well.. I am on the 5 year plan for each I believe. Now, my question is would this be the optimal way in doing this? I plan on paying the remaining $50 on each one maybe in about 3 years from now or so.. that way, the tradeline stays open for a few more years. Does anyone know for sure or does it not make a difference and I should just pay the entire balance by june/july? Thanks in advance everyone!