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Resolving your debts through a reputable Debt Settlement company (like Freedom Debt Relief) does NOT damage your credit rating âlike a bankruptcy.â A bankruptcy will be listed and hold your credit score down for 10 years, while the delinquent payments incurred while enrolled a Debt Settlement program will be there for only 7 years (and in some ...
Three most recent Speaking of Credit stories: 1  How being denied credit affects your score â Only the hard inquiry affects the credit score of an applicant when their credit report is pulled  ... Hard inquiry warning not required â The impact of that inquiry can range from slightly harmful to positive ...