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hey all,

i have a credit score of about 670 and could break the 700s if my credit-to-bebt ratio didn't suck so badly. i have two credit cards and a line of credit totaling about 15k. they're all pretty close to being maxed out. oh, i also have a car payment @ $340 a month @ 1.9%

i recently came into the money to pay all of my credit debt off. my question is this: is it better for my score if i pay off all at once, or is it better if i spread the payments over six months or so?

i really want my score to be above 700. but i also want to pay off my debt and never go back into it again.

thanks for your help!
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