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A semi-realistic cartoony style illustration for a blog post titled "Why Paying Off Certain Debts Lowers Your Credit Score?" It features a character wearing glasses who looks puzzled while holding a paid-off bill in one hand and a declining credit score report in the other. Behind the character is a downward-sloping graph, indicating a decreasing credit score. The background has a light, neutral color palette with subtle financial symbols integrated.

Paying off debt is generally seen as a positive financial move. However, it can sometimes lead to an …