When you settle a debt for less than is owed, your credit history will take a severe beating... if you are current on your accounts now, settling your debt will make your credit history much, much worse. The reason is because a creditor is only willing to settle a debt for less than the full amount owed, when they believe collecting part of the debt is better than collecting nothing at all. When you are current with payments, the creditor has no reason to believe they will not be able to collect the full amount, and they are very unlikely to consider settling your account.
Some of the penalties showed the party's desire to regulate its citizens' private lives – participating in anything deemed to be a cult or failing to care for elderly relatives incurred a 50-point penalty. Other penalties reflected the party's obsession with maintaining public order and crushing any challenge to its authority – causing a “disturbance” that blocks party or government offices meant 50 points off; using the internet to falsely accuse others resulted in a 100-point deduction. Winning a “national honour” – such as being classified as a model citizen or worker – added 100 points to someone's score.