When I received the notice from Gulf State and accepted it, I received shortly thereafter a notice from Capital one indicating the terms in an enclosed brochure. The brochure indicated that the debt would be marked "Paid in full by settlement" on my credit profile. Gulf State updated the reporting last week to read: "Account legally paid in full for less than full balance. " How should I proceed from here? Does this terminology differ much from "Paid in full by settlement". In my view it appears more derogatory in the wording. Should I contact Capital One about this as it was their brochure that indicated the alternate wording? Or should I go straight to Gulf State?