I went there about 3 years ago . I used CCCS ( atlanta ) www.cccsatl.org I was very skeptical at first, and I anticipated my bad credit getting a whole lot worse, but to my surprise it didn't get that bad. Just before entering the debt reduction plan my score was around 460 somthing, just after a year in the program it went up to 517,, then to 560... and currently I am at 674. Pretty much all of my CC accounts report as being paid on time and nothing else, but a few do say closed at grantors request , and in a debt management program, but pays as agreed. Nice to see that I could go from owing over 15K in CC's and in three years down to owing less than 4K. I have about another year and a half left and I am to be paid in full. Since I am in a much better place Financially, I might just try to pay my way out of the program faster. This helped me get back on my feet and steer my financial picture in a better direction and I am so glad I made the decision to do so. Again, I cant speak for everyone,, this is just my experience with using CCCS. I will say you do have to keep track of your transactions. and your funds distributions are made on time, mainly at first when you start the program. Once you have 6 months under your belt, it seems to run smooth as silk. I think their fees are $25.00 per month of your payment goes to them for administration fees or something .... in the bigger scheme of things,, not a big deal .
