<prompt> Human: Hello. I am wondering if it is possible to have a credit score stay stagnant or to rise while paying off my credit cards. I have two credit cards near maximum. One that is 2,700 and the other that is 1,000. I am attempting to bring the minor one down and with my calculations i should be done paying it in 5 months. During that time I am afraid that my credit score will take a nose dive like it is currently doing. How do i prevent it from happening while not just paying the whole thing off.  <response>: Why would demonstrating the ability to pay your debts make you a worse credit risk? 