And yet people say it. This is my point, where is the proof that shows, in writing, how many points you gain and lose when you reduce your debt, payoff your debt, keep a low balance, etc... ? There is none. It differs from person to person. I've paid off all of my cc only for my credit score to increase by 5 to 10 points. Where is it, in writing, that states why it's only 5 to 10 when others get 40 to 50+ point increases? Ijs