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This is a certainty for people in a current payment status looking into debt settlement and that certainty is your credit score will go down. You see in order for these creditors to be willing to negotiate a debt settlement you must fall into a past due status. There are no creditors in the world who will be willing to offer you a settlement when you can maintain paying their monthly minimum payments. Why would they? If they feel you can stay on their credit treadmill for the next thirty years that’s exactly where there want you. However once you stop paying them anything it’s a completely different ball game