@EmbraceTheGray@social.privacytools.io yea, but the only way paying off your debt will give you a worse score than bankruptcy is if you have a lot of really recent late payments, like your 6 months delinquent on all your bills or something. But yea its kind of unfair you'd be stuck with going the bankruptcy route.

But no matter how i swing it ill still have a higher score keeping the damn thing than now :)