Responding to sexism you have to not just remain silent but try to figure out a proper response - again, though, not going to the place of anger and feeling sorry for yourself, because that kind of plays into the hands of the sexists. . . . It does take practice though.
You settled a debt instead of paying in full will stay on your credit report for as long as the individual accounts are reported, which is typically seven years from the date that the account was settled. Unlike with bankruptcy, there isn't a separate line on your credit report dedicated to debt settlement, so each account settled will be listed as a charge-off.