My question involves court procedures for the state of: federal

I went to my deposition with defendant who is a Credit reporting agency. I agreed to a settlement in front of the court reporter but would like to reject the settlement. I am Pro-SE, looking for council, but never found a lawyer in my are that would take my case. Not any consumer lawyers listed locally. I have not received the settlement offer in writing yet, just happened yesterday. What would happen if I refuse the settlement? Can I refuse and proceed with the case? Can they file a motion to have the settlement approved or summary judgement? Thanks