Just Married

You won't have to worry about the payment dates after enrolling your accounts in the consolidation plan. You just need to make one check every month to your counselor. He will send money to all your creditors included in the plan. Monthly statements will show the latest standing of your debt accounts.

A debt management program will be helpful in improving your credit. Start paying the accounts with the small balance. Once they are paid, the creditors will update your credit file. This improves your scores gradually after accounts are paid and updated with the bureaus one by one.

Always remember with the debt management programs, they will not help your credit as much as doing it yourself. If you are current with your payments, a dmp will hurt your credit. However, if you are defaulting with them, it would help some.

I, like you, am a military wife... go to military.com and look at the options there.

Also, not sure what branch he is in, we are Army, and they have credit unions... the Army is USAA. If he is Navy or Marine I think it is Navy Federal. Contact them.