Score stagnant

I called in January when I was in deep *** about my debt which was clocking 300k and credit score less than 400. I asked Transunion to give an idea which accounts were weighing heavily on my score. I paid most the accounts today I have only 20k debt. Guess what my score never improved, is still below average. I asked Transunion, was told that only after 2 years history will fall away and score will improve. What a **** is that? Why was I punished when I was in debt, and I get same punishment after tightening belt for a year paying debt? When I asked an agent told me is NCR is not them. Is this true? Why compuscan one picked up? Aint compuscan regulated by same body also. The useless agent told me about competition, what competition? ****ing up my life. I am debt free yet I cannot buy a car or a house. Affordability wise banks run to me, and stop when they look at Transunion.. Makes me sick in my stomach I feel like vomitting.