Worked with a debt settlement company, but now have the $ to pay full amount. Which is better?

Question by Todd: Worked with a debt settlement company, but now have the $ to pay full amount. Which is better?
Several years ago, I was under-employed and drowning in credit card debt. I chose to go the debt settlement route. I was never comfortable with the process. Recently, I have come into a sum of money which can eliminate that full amount of debt with no settlements. Since my credit score is fairly low already, should I take advantage of the relationship with the debt settlement

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