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How Debt Relief Affects

Your Credit Score

How Debt Relief Affects Your FICO Credit Score: Comparing Bankruptcy vs. Debt Settlement

Your credit score is an up-to-date snapshot of your financial life. In the United States, there are three major credit bureaus that compile and issue credit reports for consumers. Virtually every American adult has a so-called FICO credit score.

FICO credit scores range from a rock-bottom reading of 300 to a pitch-perfect score of 850. Of course, the majority of Americans fall somewhere in between these two. Scores below 620 are generally considered to be fair or poor. Although 620 is not a hard-and-fast benchmark, scores in the mid-600s or higher are generally regarded as acceptable or good. Scores greater than 750 are considered to be excellent.

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