why don’t you just pray,since you idiots think that is the solution for everything

Settling an account doesn’t remove your payment history. It just reduces the balance owed to zero. And even then it may state “balance paid in full for less than amount owed.” This is a derogatory remark.

Pull your free credit, , and review each item. If you paid your accounts off, then you have lost your leverage to get these companies to change their remarks. Still, it might be worth the effort. You will need to contact each account by phone and perhaps written correspondence. Ask the precisely what you are looking for and suggest a resolution.

Best of luck.

This all depends on how long ago you settled this debt. first, you will have those accounts on your report for 7 years. this is part of your credit history, once you have paid them off they will all read zero balance and debt satisfied. second, if you have only paid these off in less than 6 months then they will still be considered negative reporting on your credit report. all accounts must be cleared for 6 months before they are ignored by people reviewing your credit report. if you have the recipts for the payments to these companies and they are still reporting you as delinquent on payments then you can file with the credit bureas to dispute this. this can take time and possibly that lawyer of yours again as well.