i paid ot but it's still on my credit?

It will vanish in 7 years.

It stays on your credit report for 7 years it just updates from delinquent to paid

It takes a billing cycle or two for paid off debt to show on credit history.

If the information they show is wrong, contact the credit reporting agency and get it straightened out. If you finally paid off a debt late, this will continue to show up for a while. It is, literally, your credit history. You improve your score over time by paying your debts on time in the forseeable future.

You wait. Your credit will improve but it's not going to improve overnight.

Do they show as paid off, if not send proof to the credit bureau & request the fix the problem.

'Companies that promise they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain and simple,' said Lydia Parnes, Director of the FTC's Bureau of Consumer Protection. 'Under federal law, accurate, negative information can be reported for up to seven years, and some bankruptcies can be reported for up to 10 years.'

Your credit score might improve slowly, but it will still show on your credit report for 7 years. Nothing more you can do.