I had credit cards with XXXX and XXXX XXXX XXXX. XXXX agreed to take a settlement, but agreed to remove any negative info off my report if I paid the settlement. I paid, but they left the late pays and settlement status. I felt they lied to get me to pay and now they wo n't discuss it. XXXX XXXX XXXX helped me by setting up a payment plan. They advised everything would report Paid as Agreed and no late pays. However, I still see several late pays on all XXXX credit reports. I 've since paid off B of A in full.