<prompt> Human: Ok so Im a bit confused about their calculations.I am currently in the 530s across all 3 bureaus.I have roughly 3200 in total revolving debt.If I go to their simulator, it says if I pay off the entire 3200 immediately, my scores will only go up to the 640s range across the board.However if I pay down 300 of the balance every month for a year, my scores are then in the 690-710 range...makes no sense to me.Should I believe the simulator or go ahead and pay the full balances off?Im trying to correct my credit and I wanna do whatever will help the best EDIT:So I just asked some other people about it, heres the thing: They are factoring in that if you make those gradual payments over the course of the next 1-2 years, your AAoA will be 1-2 years older ALONG with the lower balances.So it isnt the gradualness of the payments, but the addition of some more age onto your accounts  <response>: Credit scores factor in the amount of time the account has been open. Longer time paying in good standing higher credit score. 