Re: Credit Score
I think you might be confusing the length of your credit history with how installment loans will show up on your credit history. In general your score will improve the longer you have a credit history. This is true regardless of whether you carry a balance on credit cards - it's how long since you *established* a credit account.
That said, not paying off your credit cards in full might have other consequences such as paying interest.
Your credit score takes into account length of credit history (when you established a credit card or installment loan) as well as how much of your revolving credit balance you use. It's probably a good idea to continue to use your credit card, but pay it off each month. This will still build a credit history.
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