If you are asking if setteling on a debt like a credit card looks negative on your credit report, the answer is yes and it takes years to fall off of your credit report, and until then will show as unpaid.
Does settled on your credit report affect FICO?
Yes it will.
Any negative comment on your credit report, you were 30, 60, 90 days late, etc., even if you finally pay it in full, will make any future creditors or lendors look at you as a potential risk.
Does settled on your credit report affect FICO?
Just about anything will affect your FICO. The fact is that if you are high end and have room to go down, it may affect your score more. If you are low end say, ,around 500, it will have considerably less of an affect.
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