How long after a debt settlment program does your credit go up?

Shared by Joleen:
On average how long does it take? Once through the program if you compare 2 people, one with debt and high score. The other with “bruised” credit and no debt and almost high score which one is better?
On average how long does it take? Once through the program if you compare 2 people, one with debt and high score. The other with “bruised” credit and no debt and almost high score which one is better?
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