Im close to paying off my Civic, and aparently my credit isn't so great (595). So Im wondering once I get this thing payed off (6 more payments), how will that affect my score? Im sure it will go up, but im curious if it will go up a decent amount or negledgable. Basicly I've had some rough times over the last year, with losing my job and falling behind on bills. It messed up my credit pretty bad. I want to get back into good credit status. How can I do this with out spending a lot of money?