A fair credit card debt settlement is typically somewhere between 50% and 70% of your outstanding balance, though settlements can range anywhere from 30% to 80% depending on various factors. If you owe $10,000, for example, you might negotiate to pay between $5,000 and $7,000 to settle the account in full.

A credit card opened in your name can hurt your score fast. Here's how it happens and what actually protects you.

What is considered a good credit score depends on the type of credit score used. You have multiple credit scores, but the most popular type of score is FICO, followed by VantageScore.