I was offered a settlement amount on an deliquent car loan from Nuvell. I was wondering what I should request I have done as far as the report that will be made to the credit bureaus. I settled on a credit card once before and it showed that the payment was a settlement account and kept it on file for the full 7 years. Do I have any recourse to ensure that Nuvell would not report it as a settlement or is it possible to have them remove it once paid? As of now, Nuvell and I have agreed to partial payments of $300 a month, which they have updated the credit bureaus an does not seem to be helping my credit score much. Any help would be greatly appreciated.