What do you think hurts your score more? Having multiple late payments or going into a debt management plan? So far I have no latest but I might if I start to take a serious look at paying down my debt?
I was thinking of making the minimum on my cards , if I can, but making multiple copies of a particular card's statement, say 3, and making 3 payments a month on it. This might be a way to aggressively reduce a balance.
I do understand that this might affect other CC though? Or do you think it may cost me more in the long run because of late fees, etc.