You may want to get all three of your official credit reports from www.annualcreditreport.com, and make sure they are all accurate.
Each lender probably only updates the credit bureaus once a month, and the Turbo service updates once a week I think. So it could be five or six weeks before an account shows up on your credit report as being paid off.
Did you close accounts as well as paying them off? That can reduce your score, because it means you have less credit available to you. It helps your credit score if you have credit lines that you are not using.
