Advantage of ‘no dues’ status over ‘ settled’ status in CIBIL report for Credit card dues

hi, 

I had a fraud with SCB in the year 2009 and now, on checking the CIBIL report, i found out that the amount has risen from 11K INR to 65K INR. On following up with SCB, the Collection team came back giving 2 options – No dues (41K INR) or Settled (25K INR)

PLease let me know the advantage of No dues status in Cibil over Settled status for my future.

thanks,

ankur