credit score

There are a lot of factors. Basically when you are done with a settlement program your debt portion of your score which makes up 30% will be better assuming you don`t get go and get more debt again. Also your debt to debt-to-income ratio will be improved. The settlement is not designed to improve your credit but to get you out of debt fast so you will be in a prime position to reestablish your credit. Typically it takes about a good 12 months of perfect payment history after completing a settlement program to really start getting your credit back on track. Realistically the only thing that will fix your credit is good future decisions and time. You also have the option of hiring a company to do credit repair to help remove negative info from your report faster but can be a little expensive. Just be sure if you decide to go that route you go with a law firm like Lexington Law and check them out with the BBB.