@Anonymous wrote:
I'm currently signed up for in a dm program, and it does affect your report. I had 3 accounts signed up, paid one off recently, still paying on the other 2. It amazes me how people that have had BK get all these credit cards and high cl, when I apply, I get denied because I'm in a dm program. At least I'm paying off my debt! I'm beginning to think I should have just filed BK! lol
Applying for credit while in a DMP program is a shure way to get AA from one or more the your creditors and if you have a BofA account in the plan, a shure bet. I got a Sams card while in the program which caused AA by BofA which lead to a 120 day late which is why my scores aren't over 800 right now.
1/25/2021: FICO 850 EQ 848 TU 847 EX
