<prompt> Human: I tried searching for an answer to this but couldnt find anything on here, so I apologize if this has been asked to death.Anyways. Quick and dirty background. Divorce, changed financial situation, relied on CCs, old debts balloon, build more debt, dig hole, blah blah blah. Youve heard it a million times. About a year ago I got my finances under control, budgeted, all that with help from this sub, so thank you all for that, and have been slowly whittling down my debts since then.On to my current situation though. Im about to come into a decent sum of cash. Nothing crazy, its not fuck you money or anything, but enough to cover all my current debt other than my car and leave a little bit left over. My question is whether its okay to pay everything off all at once. Ive heard before that suddenly paying a large balance all at once can hurt your credit but I dont necessarily trust these sources. Is this true? Would it be smarter to spread this out to something like 25 of the balance a month over 4 months?Edit: Well there seems to be a pretty good consensus here, so Ill be paying everything off in full very shortly. Thank you all so much.  <response>: Pay it off all at once. It doesnt hurt your credit score. You save a lot on interest. 