Hello together, the following case has happened to me: In recent years I have often replaced loans completely prematurely after a few months. I accepted the associated increased costs, or more elegantly formulated -premature compensation. A year ago, as I think, above-average earner, I wanted to take up again a loan in a manageable amount of about 10T € for an Fz financing, but despite a contribution-free and self-examined In addition, I was advised by the credit institution not to redeem this loan as early as possible so that the Schufa score could be cleared up again. Can it be common practice that my excessive payment morale has hurt me retroactively and is it really necessary to hold out the installment credit until the end of the term or is it possible that my excessive payment morale has harmed me retroactively and is it really necessary to hold out the installment credit until the end of the term or is there any Egner possibilities? Thank you for your answers. aglioolio