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Is debt settlement really bad for your credit?
I understand and am aware that it's going to hurt your credit.. but I need to know how much damage it really is going to do. has anybody actually done this before? and if so what was the outcome?

Is credit card debt settlement bad for your credit?
I am a senior in college, I have no job now as I am finishing school. I start work in June, and I actually have good credit, over 700, and 5k in credit card debt. I've paid my bill in full always in the past until my last killer spring break. Debt settlement sounds cool to cut the debt in half which I would pay off with a lump sum, or should I just stomach it for another month where I can pay it all off entirely in full. Thanks.

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