I am not a credit expert BUT if you pay something off and it is still showing up, then you need to provide evidence of the payoff and get it over to the credit bureau(s) for them to take it off.
You may be able to fax or email it.
The three credit bureaus are TransUnion, Experian, and Equifax.
Let me know if you need anything else.
Donna M Cox
Mortgage Loan Originator
300 Arboretum Place, Suite 580
Richmond VA 23236
NMLS ID: 886979 LWF NMLS ID: 1177