Effects on credit scores

[Slandgie]

I haven't been on the forums in nearly a year, I am surprised that this thread is still somewhat active! I have 4 more payments going to CCCS and then I will be done with them. I am paying the last 3 months on my own.

[Frugal]

I personally would not use a credit counseling company, but that is my opinion. I am not a financial professional.