Which is better to build credit after BK?

[adviceplease]

I have 2 car loans totaling about $8000 balance between the two. My monthly payments total $590. After the BK is it better to throw money at them (extra money, tax return, etc.) to get them paid off or to just continue making monthly payments? I would love to get these paid off but I am not sure if paying these on time every month would be better to rebuild my credit instead of trying to get them paid off?

Thanks!!

[StartingOver08]

If you reaffirmed them, AND if the report the payments after your discharge then it is probably better from a rebuilding point of view to make timely payments to build credit.

If you did not reaffirm and are just doing a ride through, then the lender does not report the payments. In that case, pay them off.

However, from a financial point of view, it is probably better to just pay them off and not have a payment at all. JMO.

[adviceplease]

Thank you for the reply, I did not realize that the creditor did not report the payments on a ride though. I guess I will try to pay them off, it would be nice to have the extra $500 + a month and be able to lower my insurance down a bit.

[Doghouse]

If you did not reaffirm and are just doing a ride through, then the lender does not report the payments. In that case, pay them off.

Not always true. I did NOT reaffirm my auto loan. Did a ride thru and just kept making payments. Discharged CH 7 BK in early Aug. Checked my credit report and lender has faithfully reported to all 3 agencies every month before, during and after my BK. I believe this is helping my credit as my credit score is almost 700 (695 to be exact) almost 3 months after BK discharge.