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Richard Cooper, founder and CEO of Total Freedom, addresses the common question about how the credit is affected during the program. He illustrates this visually and explains that one-third of a credit score comes from debt owed. The "board of truth" shows that most people see improvements in their credit score over three to four years in the program. This chart represents the credit score support from very low to high, with fifty being high. Cooper emphasizes the importance of understanding how debt owed impacts credit scores.