How does debt settlement work?

Debt settlement is a negotiation between you (or your representative) and your creditor (or their representative, such as a collection agency or collection lawyer) to pay a lesser amount than your current balances.

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Can I consider the account balances on my accounts as a payoff balance?
My debt balance is different from what I see in my lender portal. Why?
Where do you get my credit information?
Will your service impact my credit score?
A lender pulled my credit report but they show a different score than the score I see on my Credit Status page. Why?
Spending Category Analysis

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Can I consider the account balances on my accounts as a payoff balance?
My debt balance is different from what I see in my lender portal. Why?
Where do you get my credit information?
Will your service impact my credit score?
A lender pulled my credit report but they show a different score than the score I see on my Credit Status page. Why?
Spending Category Analysis

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