<prompt> Human: So I just stumbled upon an article titled Will My Credit Score Go Up When I Pay Off My Debt? that brought up some questions for me that I hadnt considered before. I was under the assumption that just paying off all my debt completely would show I am a reliable debtor.I was really hoping that paying off all my debt would increase my credit score so this is seeming like a major bummer to me.If anyone with more knowledge on this topic could help figure out how to pay off my debt while having the best possible impact on my credit score I would be greatly appreciative!! Thank you all in advance.--TL;DR EDITCONCLUSION: The main point is that if you want to have the best effect on your credit when paying off debt, dont completely wipe it out to 0 utilization. Leave it at around 1 utilization and you will have the optimal effect on your score.  <response>: Put your financial house in order and use credit wisely and your credit score will come up. 