What is the difference between credit repair & debt settlement?

When you are in the process of credit repair to improve your credit score, the result is obvious. You will need to improve your credit score to achieve your financial goal. Debt settlement is actually the opposite, it will destroy your credit. Depending on the kind of debt settlement you choose, whether it is Bankruptcy or a consumer proposal, it will stay on your credit report for at least 6 years, depending on the province you live in Canada.

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