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Hi, I have 2 personal loans. I've not missed payment on either. I recently did a consolidating loan to pay these 2 loans off, but now after reading several things about paying off loans and how it doesn't help your credit score, what do I do now? I can't afford to pay THREE loans now just to keep my credit score growing. Do I pay off one and leave the lesser amount one and keep paying on that along with this consolidated loan to help my credit? I "thought" consolidating was a good idea. Help, because I need an answer QUICKLY.