It actually helped improve mine and decreased my debt by 20,000 since ‘02.

3 Responses to “Is debt management/credit counseling harmful to my credit score?”

  • Sunidaze says:

    It actually helped improve mine and decreased my debt by 20,000 since ‘02.
    References :

  • sam hill says:

    ya but no. It will affect your credit score some. But what are your long term goals?? you are probably heading in the right direction.
    References :

  • sun s says:

    "Its 100% better than bankruptcy. It has helped many people.

    Credit counselor, who would guide you. Credit counseling agency are filled with experts, to help you get out of debt. These agencies have programs which helps to solve the problems.

    Debt management programs helps you to prepare a budget which help you to tackle the situation. You make an agreement with the agency to start the process of clearing your debts completely. The counseling agency then negotiates with your lenders, and fix a lower monthly payment. "
    References :
    http://www.freewebs.com/helpee/creditcounseling.html

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