<prompt> Human: I recently came into a situation where I now have enough money to payoff my debt. I have heard conflicting things about paying in 1 lump sum or paying off big chunks over 6 months to 1 year. Which is the best way to pay without destroying my credit score? I understand that one the biggest things is not closing out the accounts when the balance is payed.2 cards totaling 75001 line of credit 5,0001 vehicle 16,000  <response>: If you can pay it off all at once go for it.Closed accounts stay on our AAoA for 10 year I believe. Never pay more money for perceived credit score increases. 