The "credit score" is important but when a good lender is evaluating the risk of a potential borrower, they won't rely on a mere score they'll consult the actual credit history.
A credit history is basically a record of loans and payments. If you're late on a payment, long enough for your lender to report it to a credit agency, then they will show up on that history.
In this case: paying back a $20,000 loan in 2 years is impressive but doesn't really say much about your ability to pay back $300,000 over 30. So yes, it might have been marginally better to pay back the $20,000 over 10 years. If you're going to loan someone $300,000 to buy a house, you want to see data that the person is capable, organized, and diligent enough to pay it back. People paying back mortgages in 2 years is probably not a serious problem for most banks.
A credit history is basically a record of loans and payments. If you're late on a payment, long enough for your lender to report it to a credit agency, then they will show up on that history.
In this case: paying back a $20,000 loan in 2 years is impressive but doesn't really say much about your ability to pay back $300,000 over 30. So yes, it might have been marginally better to pay back the $20,000 over 10 years. If you're going to loan someone $300,000 to buy a house, you want to see data that the person is capable, organized, and diligent enough to pay it back. People paying back mortgages in 2 years is probably not a serious problem for most banks.
You can see your credit history at https://www.annualcreditreport.com/cra/index.jsp