I have a settlement agreement on an account that's never been late, no collection activity, and is reporting paid as agreed since being opened in July 2011. The rep told me once it's paid off, it'll report as settled with a zero balance...could this be considered an adverse action and lead to a score drop? Also, my simulator projects a 70-90pt minimum increase in my score if I lowered my CC balance over the next 24months...but I was able to do it in one month...does that mean I could see that much of an increase by the next reporting?