Generate a full detail guide on the relationship between debt and your credit score. The guide must demystify how credit scores work. It should include detailed sections on: 1. The five components of a FICO credit score, explained simply. 2. How your 'credit utilization ratio' is a major factor and how paying down balances improves it. 3. Why closing old credit cards can sometimes hurt your score. 4. A timeline of what to expect for your credit score as you pay off debt. Please include a disclaimer that this is general information.