Will using Debt Free America affect my credit score?

Using Debt Free America will not directly affect your credit score. However, enrolling in our programs may have an indirect impact. As we facilitate negotiations with your creditors to reduce your debt and create a repayment plan, it may be reported to credit bureaus. This could be viewed positively by lenders as a proactive step towards debt management. However, it may also be perceived as a partial payment plan, potentially leading to a temporary decrease in your credit score. It is important to remember that the main goal of our programs is to help you become debt-free, which can ultimately improve your credit score in the long run. We encourage you to consult with a credit counselor to understand how our services may specifically impact your unique credit situation.