The difference between "paid-in-full" vs "settled" is small. If an account on
your credit report shows paid-in-full, it means that you paid the full amount
required to satisfy that debt to the creditor and it is not considered a dreogatory
account. When a creditor reports that an account was settled, it means that
they did not receive payment in full for the amount owed. In most cases, a credit decision will not be based on a discrepency between settled or paid-in-full. However, we do request that the creditors place "paid-in-full" although the final decision is made by each individual creditor.
