In the past month I've paid off 4 retail cards to help boost my credit. I wouldn't say my credit is bad, it's in the 690 range but before I paid them off, all my cards were near maxed. Does paying them off and keeping them open benefit my credit at all? Mind you I don't have any late payments and I've paid off many loans, my credit is still not 700. Could it be from the high balances?