I settled an account with a law firm (SEARS to be exact). I owed Sears $2400.00 on a $900.00 account. I ended up settling to make payments of $157.89 until paid. They socked me for another $1900.00 in court fees/interest. So my question is... want it reported to the credit bureaus that this is paid and i want the negative mark removed from the report; what do I request for: SETTLED IN FULL or PAID IN FULL? I was thinkming I should requested PAID IN FULL, that way it doesn't look like a lower amou nt was ettled for, because there was no lower amount. I paid what was owed plus another $1900.00. How does this work; will they send the letter to the credit bureaus or to me and I will have to send it in?

