I have a loan for $5, 000 with care credit and recently had $4800 worth of braces work done. I recently lost my job and weren’t able to pay them to make a long story short I now owe them $5900 and they sent me a letter saying that I qualify to pay them $1440 and they would send letter to the credit bureau that it was paid but not paid in full. My question is how will this harm my credit?

Thanks!