I think if you are no longer on a DMP. The notation "Consumer credit counseling" or "payments managed by a Debt Management" plan should be removed immediately when you complete the program. It is something you should try to dispute or correct on your report... I will quote a thread from Tuscani... This is the actual link...
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=6967
&query.id=8639#M6967
"When you've paid off each account, most creditors automatically remove the reference to CCCS because at that point it does, in fact, become obsolete. The account is no longer being paid through CCCS, it is closed and paid off. However, if you're nervous that a creditor might leave that comment line in place afterward, just withdraw the account from CCCS a couple of months before it would be paid off. Let it bill at the next bill date (at that point it is no longer in CCCS, ergo no CCCS remark) and then pay it off in full. Result? No ongoing reference at all that the account had been in CCCS." Pay extra through CCCS each time you can do so, even if it's not every month. The quicker you get the accounts paid off, the sooner you're done with CCCS and thus the sooner the remarks will come off of your credit report."
Message Edited by Pants on 07-19-2007 05:55 PM