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Credit Karma scoring isn't even remotely accurate. So don't worry about that.
Your score does move though when you pay off an account. It's no longer an active credit line so it factors into scoring less.
The people I see who have the highest credit scores typically have a couple of credit cards they've had forever (with no balance) and then lots of old accounts they've paid off.
I'm a mortgage broker so I see credit reports every day. I would tell you it's a lot smarter to worry about your portfolio and assets and to spend less time thinking about how to get lower interest rates when you borrow hoping to please some ridiculous algorithm.
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