You remain in a delinquency status until the debt is satisfied, so they can continue to update their reporting to show that the debt remains delinquent.
It is a loan, not a revolving account, so there is no need for them to close it to further charges.
I do not see their reporting as basis for obtaining any deletion of their accounts from your credit report.
Since you have a judgment, then payment has been ordered by the court.
With a payment plan being your only apparent option, then it would appear that is the course.
Once paid, you may be able to obtain a good-will deletion of the credit reporting made by the creditor.
Since the judgement remains unpaid, then it will continue to show for at least 7 years from the date of entry of the judgment by the court, and can legally remain past 7 years while the judgment remains enforceable. The creditor did not report the judgment.... it found its way into your credit report via the CRA search of the public records. They apparently only found one of the two judgments, but could at any time also discover the second judgment.
Deletion of the judgment from your credit report cannot be obtained by any agreement with the creditor, and thus the presence of the unpaid, delinquent debt would appear to remain until it is paid and past 7 years from date of judgment.
After it is paid, you may be able, depending upon the procedures in your state, to motion the court to vacate the judgment based on its satisfaction if you wish deletion of the judgment prior to 7 years from its date of entry by the court.
