Okay, I did the ultimate no, no and settled an account with a CA without anything in writing as to how account would be reported or if it would be deleted. I have checked my EQ credit report and the tl has no mention of the settlement and is now reporting a balance. The account was assigned to the CA and the settlement letter stated that the OC had authorized a settlement. Should this not be reported as settled? I know that a settled reporting does nothing for my credit score. Should I just dispute with EQ?