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We all want to achieve a successful debt freedom. When we say successful, we do not just mean paying off our debt. We are after a consistent freedom from debt - at least, free from the destructive powers that it can bring our finances. However, a lot of people are torn between maintaining a good credit score and being debt free. This conflict sometimes causes them to choose the wrong debt solutions that will help them get rid of their debts. A lot of Americans are too conscious of their credit scores. This is good news, but that depends on what they know about this financial measuring tool. According to a survey done by Bankrate, more Americans are checking their credit status. Last March, Bankrate found out that almost half of consumers checked their credit rating within the year. However, the same study also revealed that some people have the wrong notion about credit scores. For instance, 5 out of 10 Americans believe that an account with a high balance will help improve their score - as long as it is paid on time. Although paying on time will help you with your score, having a high balance will not. Remember that you do not need to borrow too much money for you to have a high score. You can actually be considered debt free and still have a high score. You just have to know how to accomplish this. Probably that is more troubling about the battle between debt freedom and the need for a good credit score is that it limits the debt relief options of consumers. For instance, some consumers may turn down debt settlement because they feel like their scores will be ruined in the process. They will try to use something else like debt consolidation to keep their scores intact. While there is no problem with debt consolidation, you have to understand that if you need debt reduction, then debt settlement is the right solution for you. Do not force yourself to use a debt relief program that you cannot afford to complete.