Whether or not working with Debt.com will hurt your credit score depends on the actual program you choose. A debt settlement program can indeed hurt your credit score since you usually stop making your payments at the beginning of the program and that will be reflected in your credit report. Additionally, if you decide to get a loan with one of the partners from Debt.com, a hard inquiry as part of the process can impact your credit score. The idea in both of these cases is that the short-term drop in the score will be worth the long-term financial health you are working to achieve. But every credit score and every financial scenario has the potential to be different.