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Debt settlement is going to negatively affect your credit. That being said, whether it’s really going to get worse – and by how much – will depend on what your credit rating looks like today. [...]

A debt settlement program will not prevent you from getting credit in the future. Certainly it will damage your credit in the short run, but in approximately 18 months after you are you are out [...]

In my experience, once an individual completes a debt settlement program and is debt-free, it generally takes about 18 months or so for the person’s credit to bounce back to the level it was at [...]

After you file bankruptcy, the bankruptcy notation will remain on your credit report for ten years, just as any court-related item would. Debt settlements remain on your credit report for seven [...]

When it comes to credit of any kind, the only way to keep your credit rating high is to pay your debts in full, on time, all the time. There is no doubt that your credit rating will be adversely [...]