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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 ...
How long Does Foreclosure Affect Credit. A foreclosure is one of the most traumatic events that can take place in your credit history. So How long Does Foreclosure Affect Credit? Depending on what your credit was like before the foreclosure took place, this event can reduce your score by anywhere from 225 to 300 points. It also remains on your credit report for seven years.