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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 ...
The good news for those affected by IRS wage garnishment is that there is generally no direct affect on your credit score. However, the side effects of the financial hardship it can cause can, and most likely will, affect your credit score.