I know there are some financial people on here; I need a little input. I know a factor in your credit score is your "credit age". The mortgage is my longest credit history. I bought that house like 12 years ago. My question is, would it look better (credit wise) to have the house paid off, or to keep the long-standing credit history? I feel like I need a new car. I never pay cash for vehicles, for several reasons. I could pay my mortgage off now. BUT...if having that paid off will lower my credit score, then I might be better off to just keep making the payment until I get the new car, then pay it off right after. My score was over 800 when I got Jagger 2 years ago, so I assume it is a little higher now. If paying the mortgage off will lower my credit score, will it drop it enough to matter? Like, would it drop it enough to put me in a lower "tier" when it comes to the interest rate on the new vehicle?