Would settlement be better for my credit than pursuing a hardship program? I understand that settlement requires my accts to go as far as 180 days late and that would cause major decrease in credit score.
I am trying to see which route to take in order to get my score back up quickly.
I read somewhere on here about someone settling and rebuilding their credit within 2 yrs where as if they were in hardship program they would only be 2 yrs into 5 yr program.


