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Here’s what you need to know about debt relief programs and your credit score 👇 If you’re dealing with credit card debt, it’s important to learn if debt relief will hurt your credit. The process involved negotiations with creditors to pay less than you owe, which is great. But there’s a trade off 👀 Freedom Debt Relief doesn’t directly impact your FICO score, but the process itself can. So, in the short term you will see a decrease, but it’s a strategic step toward long-term financial freedom.