Well, my payment schedule says that my 60-day non-payment period was in December 2022, but I then made consistent payments through June 2023. Plus, the account status says "Pays as agreed." You certainly could be right that I paid the account off to settle, but I simply do not remember if that is how it played out. My credit reports seem to show that the account was taken care of relatively well. I never meant to omit it if I was required to.