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Why is my credit so bad when I am almost finised paying them off

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My credit score is under 570. I have had a LOT of late payments and bank overdrafts.

With that said, I have paid off a lot of debt and am down to three companies. I owe two of them about two hundred dollars and am paying them a hundred a month. I even paid FFO furniture another thousand plus dollars (the price of a bed) because I didn't meet the "same as cash" thing that was written on the contract.

My credit report doesn't show three quarters of the late, missed payments. Is there something that I can do to find out what is still keeping my score so low?

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