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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 ...
If you are approved for a Chase Freedom credit card, but the interest rate is closer to 22.99% than 12.99%, work on improving your credit score. Once you have done so, you can request being considered for a lower interest rate. Chase FreedomÂ® Visa. Credit Required.