During the debt negotiation process we negotiate to have your accounts either deleted or corrected after payment. A deleted collection account no longer affects your credit score. A corrected collection account that reflects "paid with a zero balance", can improve your credit score.

Unfortunately, we cannot guarantee that your collection account will be deleted because some creditors refuse to delete. In these situations, we will request a correction be entered on the collection account, but we cannot guarantee that your creditor will enter a correction.

Some creditors may report your settlement to the major credit bureaus. However, when trying to get out of debt, and protect your credit as much as possible, debt settlement can be an economical option for you.

Debt negotiation can affect your credit rating, at least temporarily, so don't attempt debt negotiation unless you are willing to accept this possibility.