What will be the effect of first settlement and other positive items on credit report?

See, your credit score may drop since you have settled one credit card. However, you have made full payments on 2 credit cards. That should make a good impact on your credit score. But, don't expect that your credit score would go up instantly. It will take time. Keep on building positive payment history. Your credit score will go up.

Hi Jefpherson! Your credit score can drop a bit as you have settled one of your credit cards. As you have paid other two credit cards in full, it's likely gonna help to improve your credit score.
Besides, you can use charge your credit cards for small amounts. And make sure to pay off the outstanding balance amount in time. This way, you can notice an improvement in your credit score with time.