Middle Credit Score®

Payoff Planner

This tool helps you choose which balances to pay down first based on which payoff will most improve how lenders interpret your risk — not just which debt is largest.

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Payoffs are positioning, not math

The Order of Payoff Sends a Signal

Lenders don’t see payoff as “debt reduction” — they see it as evidence of financial direction. Paying the right accounts first shows stabilization and risk improvement, even before balances drop dramatically.

Your Risk Tier Improves When Your Pattern Improves

A strategic payoff lowers your perceived dependency on credit. Lenders care about which debt you eliminate first, because it reflects how you’re solving the problem — not just that you’re making payments.

Smart Payoff = Faster Reclassification

Two people can pay off the same amount of debt, but only one will get the tier upgrade — the one who pays off the risk-signaling balances first. This tool helps you target what improves trust fastest.