The same model a lender would use
What if you paid it down.
A hypothetical is just a different set of inputs. This is not a marketing estimate.
Current Employment score: 770. Revolving balances: $320.00.
Path to 700
Already at or above 700.
Excluding the medical item
The score does not move. Medical debt never reached it, so taking it off the file is a no-op. That is the point.