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Does credit counseling program effect credit score?

Hello. Entering a credit counseling program is typically noted on your credit score and can actually effect your credit score as can debt settlement. However, with credit counseling it really depends on your particular situation as well as the credit scoring agency and how each one of them tabulates your score.

I suggest you discuss this with a credit counseling agency so they can look at your particular financial situation (and the shape that your current credit score is currently in) to better determine the effects that would result from a credit counseling program.

With credit counseling it is not a cut and dry answer unfortunately. Thanks.