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CC Settlement from ICICI and HSBC and its impact on CIBIL Score ?

Hi

This is regards to a settlement, i had done with 2 banks HSBC and ICICI I had paid 75% of the amount with both banks for my credit card as they offered to settle the CC, but one of them gave me settled letter from ICICI with a NOC stating no due pending and other HSBC gave  me a Letter stating Settled and rest amount written off ..

When I check my CIBIl report, I have a CIBIl score of 784 but when i apply for loans Like PL it gets rejected but i get consumer loans and its been 9 yrs now since I settled my account can you suggest what can i do in such a situation what can i do to get my name off

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