Credit Report Status -

The account is no longer active. If it was closed in good standing, it stays on your report for up to 10 years and helps your score.

Use official bureau sites or trusted platforms like Credit Karma to get quick updates on your status. credit report status

You paid back less than the full amount you owed through an agreement with the lender. While the debt is gone, this is often seen as a "red flag" by future lenders. The account is no longer active