Pay off CC? or Keep balance to create good history

[bohmagic]

I currently have several credit card accounts I'm paying on. But should I do that? My history with these accounts is not good; late, 30-90 days behind, etc. Luckily I'm getting a large tax refund that could pay them off. Should I do that or should I leave a balance and continue with on time payment to re-establish a good history? Want to raise my credit score but can't afford the Repair service companies.

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