<prompt> Human: My credit limit is 15k and my balance has been 9k for the past 2-3 months, and my credit score went down 30 points the past few months.Will it continue to decline? Im Planning to pay 1k a month all the next 9 months.  <response>: Can I ask why you seem to be more worried about your score than the debt? The score only matters when you are applying for something requiring a credit check, the high interest debt is always negatively affecting your life. My advice would be to completely forget about the score and focus on paying down the debt. As you pay it down the score will increase. 