Most commonly asked question:
Is Credit Counseling factored into my FICO ® score?

Absolutley not! But please, don't just take anyones word for it!

FICO® is the company that calculates your credit score, also known as your FICO® Score. It's imperative to Americans that your Credit Score is kept in good standing. Credit Counseling is not factored into your FICO® score! Please click on the link titled "What is not in your score", once open -- please scroll down to the bottom and notice where it says "Whether or not you are participating in a credit counseling of any kind".

Click to show fact:
http://www.myfico.com/CreditEducation/WhatsNotInYourScore.aspx

This whole program was simply designed to get you on new terms - and out of debt!