Will getting debt help affect my credit score?

Getting debt help can potentially affect your credit score, but the impact will depend on the specific debt help option you choose. If you opt for debt consolidation or a debt management plan, it may initially have a minor negative effect on your credit score. However, as you make timely payments and reduce your debt, your credit score can gradually improve. On the other hand, if you choose debt settlement or debt negotiation, it may have a more significant negative impact on your credit score. This is because these options involve negotiating reduced settlements with creditors, which can be seen as a negative event by credit reporting agencies. Ultimately, it is crucial to weigh the potential short-term impact against the long-term benefits of getting debt help.