I doubt that your house has settled any; it sounds like you have a good, sound footer under it. The problem is that any masonry construction will crack. Its just the nature of it. Most commercial jobs will feature control joints just for that; its going to crack but you can choose where. One good way to tie it all up is to put re-bar in the block cores, and a bond beam run at the top with 2 bars in it. Fill the cores and the bondbeam with concrete using small pea gravel as your agregate. Make sure the vertical bars stick up enough to bend them over in the bond beam, thus tying the whole wall together. Of course, it would have been nice to have the re-bar running up out of the footer too. Sorry we didn't get to talk about this earlier. Silicone or butyl rubber caulk will cure the cracks you now have.