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It did help with interest rates. We made one payment instead of many, but not all companies will "play along" with CCCS. It all depends on what you're looking for, but CCCS makes you cut up your cards and close accounts (I think) so that you can no longer charge. It does put a dent in your credit score as well. I'm not so sure how it works for late payments already either. We were current, but struggling and needed help with all of that interest. It worked for us. Have you considered snowballing your credit debt? I wonder if this could work for you? |
One time years ago we did CCCS. - sm
