How Debt Relief Affects Credit Score How Debt Relief Affects Your FICO Credit Score: Comparing Bankruptcy vs. Debt Settlement Do you qualify for debt consolidation?Choose your debt amount...$0 - $4,999$5,000 - $9,999$10,000 - $19,999$20,000 - $29,000$30,000 - $49,000$50,000 - $99,999$100,000+