Which is better - A DMP, a consolidation program, or a settlement program?

A DMP is better than a settlement program in respect to your credit score.

Can you explain your problem in details? A settlement program can help you pay off debts quickly.

A DMP or debt management program is by far the safest and most reliable way to solve your debt problems. If you consult few certified credit counselors, they'll also guide you to form a spending plan and to create a realistic budget. Later, you can propose a payment plan to your creditors and pay off all your debt easily through monthly installments.