<prompt> Human: My biggest invoice yet as a contractor has finally come in. I have the ability to pay off 50K of credit cards at once. This would eliminate all my unsecured debt and leave only my student loans. Maxing out our credit line has dropped our credit from the high 700s to the high 600s. In paying this off I want to do as much as I can to recover my credit score, and Ive been burned by closing credit card accounts. My mailbox is inundated with debt consolidation plans or credit settlement option which we never had to use. Is there any thing the PF would recommend in paying this amount off?  <response>: It doesnt seem like there are any tricks here. Pay off the debt. 