Credit information?

[Kracka]

Credit cards are a wonderful thing when used properly. Why do I say they are wonderful? Its free money (gift cards, points, cash back, airline tickets, etc.) and they bump up your credit score allowing you to get better rates on car loans and home mortgages saving you even more in the long-run. But, as soon as you start carrying a balance they become a bad thing, especially if you are unable to manage them properly and get in too deep.

Regarding your loan, its not about how fast you pay it off, its about making your payments on time and showing you're responsible with your money and know how to properly budget month-to-month.