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hi my name is ben and im a previous ceo of a debt settlement company today were going to look at how debt settlement impacts your credit score it definitely has a lot of impact on your credit score so lets see and stay tuned to learn more welcome to ascend finances youtube channel where we take complex issues such as debt summit credit score impact and break them down into easy understandable human language im ben and ive been the co-founder uh and ceo of ascend for three years now if youre in over your head in a debt and looking for a way out you may have stumbled on the option of debt settlement company while the thought of paying off your debt for much lower than what its currently the balance is may sound amazing its important to realize that there are some major drawbacks to debt settlement and one of those is both credit score and credit report impact today were going to look at how debt settlement specifically impacts your credit score first what is debt settlement seco