<prompt> Human: My credit is very poor, mostly due to debt accounts that I didnt keep in good standing. Im trying to start fresh. Most of my debt consists of 6,950 in credit card debt, two CapitalOne credit cards. I have been keeping an eye on my credit score through their flawed, Im sure, but decent credit tracker. As with many credit trackers, it is possible to simulate changes to credit score based on taking certain actions.My current score is 622. I simulated what would happen if I paid off at one go 500, 1000, 1500, 2000, etc. of my credit card debt, since I have some cash coming to me that I want to use to get this debt paid off.Surprisingly, my score maxed out at about 650 when I simulated paying off 6,000. At any higher level, the simulator produced WORSE results. For example, my score only goes up to 640 if I pay 6,500 and in fact, if I paid off all 6,950 it says my score would only go up by a couple points.is this a glitch or are there legitimate reasons why I should pay off like 85 of my credit card debt and no more? What happens once I have that much paid off? I want to make the decision thats going to result in the best improvement to my credit and this result seems quite strange and counterintuitive to me.Thanks in advance for any info.  <response>: Its just a flaw in how all of the estimations work. There is no reason or benefit to carrying a balance and paying more interest than you already are. Pay off ASAP. 