<prompt> Human: I was told that if you pay off all of your debts at once, it doesnt help your credit score as much as if you pay them off over time. Im currently about 8000 in debt, but Im going to be coming into some money in a couple of months. Was planning on paying everything off right away. Is it better to pay them off one by one over a series of months, or just pay them all off at once. My current credit score is around 590, would like to get up around 700. Most of the bad credit is medical, I have two credit cards one with a 500 limit and one with a 1500 limit but are both very close to maxed out. They will also be paid off in full.Any advice you could share would be very much appreciated!  <response>: Pay it off right away. The myth that you should keep paying interest to improve your credit score is a good one... for the companies that are profiting off the interest.You do not need to pay interest to improve your credit score. Pay it off immediately. 