I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well. 
