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Defaulted account back on Credit File after settlement


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I had a default on my credit file from Next Directory on 2004 which had fallen off my credit report by 2010. I recently settled the account for 50% of the remaining balance but when I checked my credit report today, the account is back on the file. It has no mention of the default, it just says settled in Feb 2014.


The problem is that it has a note underneath stating that it is a partial settlement. Can this account go back on my file? I don't want a partial settlement on my file for the next 6 years.


Looking back at an old credit report, it was on Experian, but I'm not sure if it was on Equifax.

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