<prompt> Human: So I paid off my last 1000 I owed in credit card debt and closed all my credit card accounts. And now my credit score dropped 45 points saying I closed all my accounts except for the last one and havent payed it off yet. Only time will tell, but will it go back up once it shows I payed it off?  <response>: if you want a high credit score you need to have open accounts and have them open for a long time. Closing all your cards will hurt you in the long run. 